id	sid	tid	token	lemma	pos
fsr-3529	1	1	finser_31	finser_31	PROPN
fsr-3529	1	2	-	-	PUNCT
fsr-3529	1	3	2_complete_issue	2_complete_issue	PROPN
fsr-3529	1	4	financial	financial	ADJ
fsr-3529	1	5	planning	planning	NOUN
fsr-3529	1	6	time	time	NOUN
fsr-3529	1	7	horizon	horizon	NOUN
fsr-3529	1	8	and	and	CCONJ
fsr-3529	1	9	end	end	NOUN
fsr-3529	1	10	-	-	PUNCT
fsr-3529	1	11	of	of	ADP
fsr-3529	1	12	-	-	PUNCT
fsr-3529	1	13	life	life	NOUN
fsr-3529	1	14	mortality	mortality	NOUN
fsr-3529	1	15	expectations	expectation	NOUN
fsr-3529	1	16	zhikun	zhikun	PROPN
fsr-3529	1	17	liua	liua	NOUN
fsr-3529	1	18	,	,	PUNCT
fsr-3529	1	19	*	*	PROPN
fsr-3529	1	20	,	,	PUNCT
fsr-3529	1	21	russell	russell	PROPN
fsr-3529	1	22	james	james	PROPN
fsr-3529	1	23	iiib	iiib	PROPN
fsr-3529	1	24	,	,	PUNCT
fsr-3529	1	25	*	*	PROPN
fsr-3529	1	26	,	,	PUNCT
fsr-3529	1	27	qi	qi	PROPN
fsr-3529	1	28	sunc	sunc	PROPN
fsr-3529	1	29	aemployee	aemployee	PROPN
fsr-3529	1	30	benefit	benefit	PROPN
fsr-3529	1	31	research	research	NOUN
fsr-3529	1	32	institute	institute	NOUN
fsr-3529	1	33	,	,	PUNCT
fsr-3529	1	34	901	901	NUM
fsr-3529	1	35	d	d	PROPN
fsr-3529	1	36	street	street	NOUN
fsr-3529	1	37	,	,	PUNCT
fsr-3529	1	38	s.w	s.w	PROPN
fsr-3529	1	39	.	.	PROPN
fsr-3529	1	40	suite	suite	PROPN
fsr-3529	1	41	802	802	NUM
fsr-3529	1	42	washington	washington	PROPN
fsr-3529	1	43	,	,	PUNCT
fsr-3529	1	44	dc	dc	PROPN
fsr-3529	1	45	20024	20024	NUM
fsr-3529	1	46	,	,	PUNCT
fsr-3529	1	47	usa	usa	PROPN
fsr-3529	1	48	bpersonal	bpersonal	ADJ
fsr-3529	1	49	financial	financial	PROPN
fsr-3529	1	50	planning	planning	PROPN
fsr-3529	1	51	department	department	PROPN
fsr-3529	1	52	,	,	PUNCT
fsr-3529	1	53	texas	texas	PROPN
fsr-3529	1	54	tech	tech	PROPN
fsr-3529	1	55	university	university	PROPN
fsr-3529	1	56	,	,	PUNCT
fsr-3529	1	57	box	box	PROPN
fsr-3529	1	58	41210	41210	NUM
fsr-3529	1	59	,	,	PUNCT
fsr-3529	1	60	lubbock	lubbock	PROPN
fsr-3529	1	61	,	,	PUNCT
fsr-3529	1	62	tx	tx	PROPN
fsr-3529	1	63	79409	79409	NUM
fsr-3529	1	64	-	-	SYM
fsr-3529	1	65	1210	1210	NUM
fsr-3529	1	66	,	,	PUNCT
fsr-3529	1	67	usa	usa	PROPN
fsr-3529	1	68	cpacific	cpacific	PROPN
fsr-3529	1	69	life	life	PROPN
fsr-3529	1	70	insurance	insurance	NOUN
fsr-3529	1	71	company	company	NOUN
fsr-3529	1	72	,	,	PUNCT
fsr-3529	1	73	840	840	NUM
fsr-3529	1	74	newport	newport	PROPN
fsr-3529	1	75	center	center	PROPN
fsr-3529	1	76	drive	drive	PROPN
fsr-3529	1	77	,	,	PUNCT
fsr-3529	1	78	newport	newport	PROPN
fsr-3529	1	79	beach	beach	PROPN
fsr-3529	1	80	,	,	PUNCT
fsr-3529	1	81	ca	ca	NOUN
fsr-3529	1	82	92660	92660	NUM
fsr-3529	1	83	,	,	PUNCT
fsr-3529	1	84	usa	usa	PROPN
fsr-3529	1	85	abstract	abstract	ADJ
fsr-3529	1	86	previous	previous	ADJ
fsr-3529	1	87	studies	study	NOUN
fsr-3529	1	88	demonstrate	demonstrate	VERB
fsr-3529	1	89	that	that	SCONJ
fsr-3529	1	90	individuals	individual	NOUN
fsr-3529	1	91	’	'	PUNCT
fsr-3529	1	92	financial	financial	ADJ
fsr-3529	1	93	planning	planning	NOUN
fsr-3529	1	94	time	time	NOUN
fsr-3529	1	95	horizons	horizon	NOUN
fsr-3529	1	96	significantly	significantly	ADV
fsr-3529	1	97	impact	impact	VERB
fsr-3529	1	98	spending	spending	NOUN
fsr-3529	1	99	,	,	PUNCT
fsr-3529	1	100	saving	saving	NOUN
fsr-3529	1	101	,	,	PUNCT
fsr-3529	1	102	charitable	charitable	ADJ
fsr-3529	1	103	giving	giving	NOUN
fsr-3529	1	104	,	,	PUNCT
fsr-3529	1	105	and	and	CCONJ
fsr-3529	1	106	bequest	bequest	NOUN
fsr-3529	1	107	decisions	decision	NOUN
fsr-3529	1	108	.	.	PUNCT
fsr-3529	2	1	using	use	VERB
fsr-3529	2	2	longitudinal	longitudinal	ADJ
fsr-3529	2	3	and	and	CCONJ
fsr-3529	2	4	cross	cross	ADJ
fsr-3529	2	5	-	-	ADJ
fsr-3529	2	6	sectional	sectional	ADJ
fsr-3529	2	7	health	health	NOUN
fsr-3529	2	8	and	and	CCONJ
fsr-3529	2	9	retirement	retirement	NOUN
fsr-3529	2	10	study	study	NOUN
fsr-3529	2	11	data	datum	NOUN
fsr-3529	2	12	,	,	PUNCT
fsr-3529	2	13	the	the	DET
fsr-3529	2	14	analyses	analysis	NOUN
fsr-3529	2	15	in	in	ADP
fsr-3529	2	16	this	this	DET
fsr-3529	2	17	paper	paper	NOUN
fsr-3529	2	18	reveal	reveal	VERB
fsr-3529	2	19	that	that	SCONJ
fsr-3529	2	20	older	old	ADJ
fsr-3529	2	21	american	american	ADJ
fsr-3529	2	22	adults	adult	NOUN
fsr-3529	2	23	’	'	PUNCT
fsr-3529	2	24	financial	financial	ADJ
fsr-3529	2	25	planning	planning	NOUN
fsr-3529	2	26	horizons	horizon	NOUN
fsr-3529	2	27	are	be	AUX
fsr-3529	2	28	strongly	strongly	ADV
fsr-3529	2	29	determined	determine	VERB
fsr-3529	2	30	by	by	ADP
fsr-3529	2	31	their	their	PRON
fsr-3529	2	32	self	self	NOUN
fsr-3529	2	33	-	-	PUNCT
fsr-3529	2	34	perceived	perceive	VERB
fsr-3529	2	35	life	life	NOUN
fsr-3529	2	36	expectancy	expectancy	NOUN
fsr-3529	2	37	.	.	PUNCT
fsr-3529	3	1	over	over	ADP
fsr-3529	3	2	time	time	NOUN
fsr-3529	3	3	,	,	PUNCT
fsr-3529	3	4	the	the	DET
fsr-3529	3	5	changes	change	NOUN
fsr-3529	3	6	in	in	ADP
fsr-3529	3	7	self	self	NOUN
fsr-3529	3	8	-	-	PUNCT
fsr-3529	3	9	perceived	perceive	VERB
fsr-3529	3	10	life	life	NOUN
fsr-3529	3	11	expectancy	expectancy	NOUN
fsr-3529	3	12	,	,	PUNCT
fsr-3529	3	13	marital	marital	ADJ
fsr-3529	3	14	and	and	CCONJ
fsr-3529	3	15	retirement	retirement	NOUN
fsr-3529	3	16	status	status	NOUN
fsr-3529	3	17	,	,	PUNCT
fsr-3529	3	18	health	health	NOUN
fsr-3529	3	19	conditions	condition	NOUN
fsr-3529	3	20	,	,	PUNCT
fsr-3529	3	21	and	and	CCONJ
fsr-3529	3	22	wealth	wealth	NOUN
fsr-3529	3	23	level	level	NOUN
fsr-3529	3	24	will	will	AUX
fsr-3529	3	25	cause	cause	VERB
fsr-3529	3	26	individuals	individual	NOUN
fsr-3529	3	27	to	to	PART
fsr-3529	3	28	shift	shift	VERB
fsr-3529	3	29	their	their	PRON
fsr-3529	3	30	financial	financial	ADJ
fsr-3529	3	31	planning	planning	NOUN
fsr-3529	3	32	horizons	horizon	NOUN
fsr-3529	3	33	.	.	PUNCT
fsr-3529	4	1	the	the	DET
fsr-3529	4	2	insight	insight	NOUN
fsr-3529	4	3	gained	gain	VERB
fsr-3529	4	4	in	in	ADP
fsr-3529	4	5	this	this	DET
fsr-3529	4	6	study	study	NOUN
fsr-3529	4	7	helps	help	VERB
fsr-3529	4	8	financial	financial	ADJ
fsr-3529	4	9	planners	planner	NOUN
fsr-3529	4	10	to	to	PART
fsr-3529	4	11	better	well	ADV
fsr-3529	4	12	understand	understand	VERB
fsr-3529	4	13	the	the	DET
fsr-3529	4	14	factors	factor	NOUN
fsr-3529	4	15	driving	drive	VERB
fsr-3529	4	16	changes	change	NOUN
fsr-3529	4	17	in	in	ADP
fsr-3529	4	18	client	client	NOUN
fsr-3529	4	19	financial	financial	ADJ
fsr-3529	4	20	planning	planning	NOUN
fsr-3529	4	21	horizons	horizon	NOUN
fsr-3529	4	22	and	and	CCONJ
fsr-3529	4	23	consequent	consequent	ADJ
fsr-3529	4	24	financial	financial	ADJ
fsr-3529	4	25	decision	decision	NOUN
fsr-3529	4	26	-	-	PUNCT
fsr-3529	4	27	making	making	NOUN
fsr-3529	4	28	.	.	PUNCT
fsr-3529	5	1	©	©	ADP
fsr-3529	5	2	2023	2023	NUM
fsr-3529	5	3	academy	academy	NOUN
fsr-3529	5	4	of	of	ADP
fsr-3529	5	5	financial	financial	ADJ
fsr-3529	5	6	services	service	NOUN
fsr-3529	5	7	.	.	PUNCT
fsr-3529	6	1	all	all	DET
fsr-3529	6	2	rights	right	NOUN
fsr-3529	6	3	reserved	reserve	VERB
fsr-3529	6	4	.	.	PUNCT
fsr-3529	7	1	jel	jel	PROPN
fsr-3529	7	2	classifications	classification	NOUN
fsr-3529	7	3	:	:	PUNCT
fsr-3529	7	4	g4	g4	NOUN
fsr-3529	7	5	;	;	PUNCT
fsr-3529	7	6	d12	d12	ADJ
fsr-3529	7	7	keywords	keyword	NOUN
fsr-3529	7	8	:	:	PUNCT
fsr-3529	7	9	behavioral	behavioral	ADJ
fsr-3529	7	10	finance	finance	NOUN
fsr-3529	7	11	;	;	PUNCT
fsr-3529	7	12	financial	financial	ADJ
fsr-3529	7	13	planning	planning	NOUN
fsr-3529	7	14	horizon	horizon	NOUN
fsr-3529	7	15	;	;	PUNCT
fsr-3529	7	16	self	self	NOUN
fsr-3529	7	17	-	-	PUNCT
fsr-3529	7	18	perceived	perceive	VERB
fsr-3529	7	19	life	life	NOUN
fsr-3529	7	20	expectancy	expectancy	NOUN
fsr-3529	7	21	;	;	PUNCT
fsr-3529	7	22	financial	financial	ADJ
fsr-3529	7	23	decision	decision	NOUN
fsr-3529	7	24	making	make	VERB
fsr-3529	7	25	1	1	NUM
fsr-3529	7	26	.	.	PUNCT
fsr-3529	7	27	introduction	introduction	NOUN
fsr-3529	7	28	and	and	CCONJ
fsr-3529	7	29	literature	literature	PROPN
fsr-3529	7	30	review	review	PROPN
fsr-3529	7	31	financial	financial	ADJ
fsr-3529	7	32	planning	planning	NOUN
fsr-3529	7	33	time	time	NOUN
fsr-3529	7	34	horizon	horizon	NOUN
fsr-3529	7	35	is	be	AUX
fsr-3529	7	36	an	an	DET
fsr-3529	7	37	essential	essential	ADJ
fsr-3529	7	38	area	area	NOUN
fsr-3529	7	39	of	of	ADP
fsr-3529	7	40	economic	economic	ADJ
fsr-3529	7	41	decision	decision	NOUN
fsr-3529	7	42	-	-	PUNCT
fsr-3529	7	43	making	making	NOUN
fsr-3529	7	44	for	for	ADP
fsr-3529	7	45	both	both	DET
fsr-3529	7	46	individuals	individual	NOUN
fsr-3529	7	47	and	and	CCONJ
fsr-3529	7	48	households	household	NOUN
fsr-3529	7	49	(	(	PUNCT
fsr-3529	7	50	dow	dow	PROPN
fsr-3529	7	51	&	&	CCONJ
fsr-3529	7	52	jin	jin	PROPN
fsr-3529	7	53	,	,	PUNCT
fsr-3529	7	54	2013	2013	NUM
fsr-3529	7	55	)	)	PUNCT
fsr-3529	7	56	.	.	PUNCT
fsr-3529	8	1	various	various	ADJ
fsr-3529	8	2	studies	study	NOUN
fsr-3529	8	3	have	have	AUX
fsr-3529	8	4	used	use	VERB
fsr-3529	8	5	financial	financial	ADJ
fsr-3529	8	6	planning	planning	NOUN
fsr-3529	8	7	horizon	horizon	NOUN
fsr-3529	8	8	as	as	ADP
fsr-3529	8	9	an	an	DET
fsr-3529	8	10	independent	independent	ADJ
fsr-3529	8	11	variable	variable	NOUN
fsr-3529	8	12	to	to	PART
fsr-3529	8	13	predict	predict	VERB
fsr-3529	8	14	various	various	ADJ
fsr-3529	8	15	outcomes	outcome	NOUN
fsr-3529	8	16	of	of	ADP
fsr-3529	8	17	interest	interest	NOUN
fsr-3529	8	18	(	(	PUNCT
fsr-3529	8	19	hong	hong	PROPN
fsr-3529	8	20	&	&	CCONJ
fsr-3529	8	21	hanna	hanna	PROPN
fsr-3529	8	22	,	,	PUNCT
fsr-3529	8	23	2014	2014	NUM
fsr-3529	8	24	)	)	PUNCT
fsr-3529	8	25	.	.	PUNCT
fsr-3529	9	1	*	*	PUNCT
fsr-3529	9	2	corresponding	correspond	VERB
fsr-3529	9	3	authors	author	NOUN
fsr-3529	9	4	.	.	PUNCT
fsr-3529	10	1	tel	tel	PROPN
fsr-3529	10	2	.	.	PUNCT
fsr-3529	10	3	:	:	PUNCT
fsr-3529	11	1	+1	+1	ADJ
fsr-3529	11	2	-	-	PUNCT
fsr-3529	11	3	903	903	NUM
fsr-3529	11	4	-	-	PUNCT
fsr-3529	11	5	245	245	NUM
fsr-3529	11	6	-	-	NUM
fsr-3529	11	7	9598	9598	NUM
fsr-3529	11	8	;	;	PUNCT
fsr-3529	11	9	fax	fax	NOUN
fsr-3529	11	10	:	:	PUNCT
fsr-3529	11	11	1	1	NUM
fsr-3529	11	12	-	-	SYM
fsr-3529	11	13	202	202	NUM
fsr-3529	11	14	-	-	PUNCT
fsr-3529	11	15	775	775	NUM
fsr-3529	11	16	-	-	PUNCT
fsr-3529	11	17	6360	6360	NUM
fsr-3529	11	18	;	;	PUNCT
fsr-3529	11	19	e	e	X
fsr-3529	11	20	-	-	NOUN
fsr-3529	11	21	mail	mail	NOUN
fsr-3529	11	22	address	address	NOUN
fsr-3529	11	23	:	:	PUNCT
fsr-3529	11	24	liuzhikun6@gmail.com	liuzhikun6@gmail.com	X
fsr-3529	11	25	(	(	PUNCT
fsr-3529	11	26	z.	z.	PROPN
fsr-3529	11	27	liu	liu	PROPN
fsr-3529	11	28	)	)	PUNCT
fsr-3529	11	29	;	;	PUNCT
fsr-3529	11	30	tel	tel	PROPN
fsr-3529	11	31	.	.	PUNCT
fsr-3529	11	32	:	:	PUNCT
fsr-3529	12	1	+1	+1	PROPN
fsr-3529	12	2	-	-	PUNCT
fsr-3529	12	3	806	806	NUM
fsr-3529	12	4	-	-	PUNCT
fsr-3529	12	5	834	834	NUM
fsr-3529	12	6	-	-	PUNCT
fsr-3529	12	7	5130	5130	NUM
fsr-3529	12	8	,	,	PUNCT
fsr-3529	12	9	fax	fax	NOUN
fsr-3529	12	10	:	:	PUNCT
fsr-3529	12	11	1	1	NUM
fsr-3529	12	12	-	-	SYM
fsr-3529	12	13	806	806	NUM
fsr-3529	12	14	-	-	PUNCT
fsr-3529	12	15	742	742	NUM
fsr-3529	12	16	-	-	SYM
fsr-3529	12	17	5033	5033	NUM
fsr-3529	12	18	;	;	PUNCT
fsr-3529	12	19	e	e	X
fsr-3529	12	20	-	-	NOUN
fsr-3529	12	21	mail	mail	NOUN
fsr-3529	12	22	address	address	NOUN
fsr-3529	12	23	:	:	PUNCT
fsr-3529	12	24	russell.james@ttu.edu	russell.james@ttu.edu	PROPN
fsr-3529	12	25	(	(	PUNCT
fsr-3529	12	26	r.	r.	PROPN
fsr-3529	12	27	james	james	PROPN
fsr-3529	12	28	)	)	PUNCT
fsr-3529	12	29	1057	1057	NUM
fsr-3529	12	30	-	-	SYM
fsr-3529	12	31	0810/23/$	0810/23/$	NUM
fsr-3529	12	32	–	–	PUNCT
fsr-3529	12	33	see	see	VERB
fsr-3529	12	34	front	front	ADJ
fsr-3529	12	35	matter	matter	NOUN
fsr-3529	12	36	©	©	PROPN
fsr-3529	12	37	2023	2023	NUM
fsr-3529	12	38	academy	academy	NOUN
fsr-3529	12	39	of	of	ADP
fsr-3529	12	40	financial	financial	ADJ
fsr-3529	12	41	services	service	NOUN
fsr-3529	12	42	.	.	PUNCT
fsr-3529	13	1	all	all	DET
fsr-3529	13	2	rights	right	NOUN
fsr-3529	13	3	reserved	reserve	VERB
fsr-3529	13	4	.	.	PUNCT
fsr-3529	14	1	financial	financial	ADJ
fsr-3529	14	2	services	service	NOUN
fsr-3529	14	3	review	review	VERB
fsr-3529	14	4	31	31	NUM
fsr-3529	14	5	(	(	PUNCT
fsr-3529	14	6	2023	2023	NUM
fsr-3529	14	7	)	)	PUNCT
fsr-3529	15	1	107–120	107–120	NOUN
fsr-3529	15	2	using	use	VERB
fsr-3529	15	3	the	the	DET
fsr-3529	15	4	survey	survey	NOUN
fsr-3529	15	5	of	of	ADP
fsr-3529	15	6	consumer	consumer	NOUN
fsr-3529	15	7	finances	finance	NOUN
fsr-3529	15	8	data	datum	NOUN
fsr-3529	15	9	,	,	PUNCT
fsr-3529	15	10	fisher	fisher	PROPN
fsr-3529	15	11	and	and	CCONJ
fsr-3529	15	12	montalto	montalto	PROPN
fsr-3529	15	13	(	(	PUNCT
fsr-3529	15	14	2010	2010	NUM
fsr-3529	15	15	)	)	PUNCT
fsr-3529	15	16	identify	identify	VERB
fsr-3529	15	17	that	that	SCONJ
fsr-3529	15	18	households	household	NOUN
fsr-3529	15	19	with	with	ADP
fsr-3529	15	20	longer	long	ADJ
fsr-3529	15	21	financial	financial	ADJ
fsr-3529	15	22	planning	planning	NOUN
fsr-3529	15	23	horizons	horizon	NOUN
fsr-3529	15	24	are	be	AUX
fsr-3529	15	25	more	more	ADV
fsr-3529	15	26	likely	likely	ADJ
fsr-3529	15	27	to	to	PART
fsr-3529	15	28	meet	meet	VERB
fsr-3529	15	29	saving	save	VERB
fsr-3529	15	30	guidelines	guideline	NOUN
fsr-3529	15	31	.	.	PUNCT
fsr-3529	16	1	rutherford	rutherford	PROPN
fsr-3529	16	2	and	and	CCONJ
fsr-3529	16	3	devaney	devaney	PROPN
fsr-3529	16	4	(	(	PUNCT
fsr-3529	16	5	2009	2009	NUM
fsr-3529	16	6	)	)	PUNCT
fsr-3529	16	7	find	find	VERB
fsr-3529	16	8	that	that	SCONJ
fsr-3529	16	9	households	household	NOUN
fsr-3529	16	10	with	with	ADP
fsr-3529	16	11	more	more	ADJ
fsr-3529	16	12	than	than	ADP
fsr-3529	16	13	five	five	NUM
fsr-3529	16	14	-	-	PUNCT
fsr-3529	16	15	year	year	NOUN
fsr-3529	16	16	planning	planning	NOUN
fsr-3529	16	17	horizons	horizon	NOUN
fsr-3529	16	18	are	be	AUX
fsr-3529	16	19	more	more	ADV
fsr-3529	16	20	likely	likely	ADJ
fsr-3529	16	21	to	to	PART
fsr-3529	16	22	plan	plan	VERB
fsr-3529	16	23	their	their	PRON
fsr-3529	16	24	consumption	consumption	NOUN
fsr-3529	16	25	based	base	VERB
fsr-3529	16	26	on	on	ADP
fsr-3529	16	27	their	their	PRON
fsr-3529	16	28	income	income	NOUN
fsr-3529	16	29	and	and	CCONJ
fsr-3529	16	30	use	use	VERB
fsr-3529	16	31	credit	credit	NOUN
fsr-3529	16	32	cards	card	NOUN
fsr-3529	16	33	for	for	ADP
fsr-3529	16	34	convenience	convenience	NOUN
fsr-3529	16	35	rather	rather	ADV
fsr-3529	16	36	than	than	ADP
fsr-3529	16	37	revolving	revolve	VERB
fsr-3529	16	38	debt	debt	NOUN
fsr-3529	16	39	vehicles	vehicle	NOUN
fsr-3529	16	40	.	.	PUNCT
fsr-3529	17	1	a	a	DET
fsr-3529	17	2	longer	long	ADJ
fsr-3529	17	3	financial	financial	ADJ
fsr-3529	17	4	planning	planning	NOUN
fsr-3529	17	5	horizon	horizon	NOUN
fsr-3529	17	6	also	also	ADV
fsr-3529	17	7	influences	influence	VERB
fsr-3529	17	8	individuals	individual	NOUN
fsr-3529	17	9	’	'	PUNCT
fsr-3529	17	10	risk	risk	NOUN
fsr-3529	17	11	preferences	preference	NOUN
fsr-3529	17	12	(	(	PUNCT
fsr-3529	17	13	castro	castro	NOUN
fsr-3529	17	14	-	-	PUNCT
fsr-3529	17	15	gonzález	gonzález	NOUN
fsr-3529	17	16	et	et	PROPN
fsr-3529	17	17	al	al	PROPN
fsr-3529	17	18	.	.	PROPN
fsr-3529	17	19	,	,	PUNCT
fsr-3529	17	20	2020	2020	NUM
fsr-3529	17	21	)	)	PUNCT
fsr-3529	17	22	.	.	PUNCT
fsr-3529	18	1	for	for	ADP
fsr-3529	18	2	example	example	NOUN
fsr-3529	18	3	,	,	PUNCT
fsr-3529	18	4	he	he	PRON
fsr-3529	18	5	and	and	CCONJ
fsr-3529	18	6	hu	hu	PROPN
fsr-3529	18	7	(	(	PUNCT
fsr-3529	18	8	2007	2007	NUM
fsr-3529	18	9	)	)	PUNCT
fsr-3529	18	10	point	point	NOUN
fsr-3529	18	11	out	out	ADP
fsr-3529	18	12	that	that	SCONJ
fsr-3529	18	13	households	household	NOUN
fsr-3529	18	14	with	with	ADP
fsr-3529	18	15	longer	long	ADJ
fsr-3529	18	16	financial	financial	ADJ
fsr-3529	18	17	planning	planning	NOUN
fsr-3529	18	18	horizons	horizon	NOUN
fsr-3529	18	19	tend	tend	VERB
fsr-3529	18	20	to	to	PART
fsr-3529	18	21	hold	hold	VERB
fsr-3529	18	22	relatively	relatively	ADV
fsr-3529	18	23	more	more	ADJ
fsr-3529	18	24	stocks	stock	NOUN
fsr-3529	18	25	in	in	ADP
fsr-3529	18	26	their	their	PRON
fsr-3529	18	27	portfolios	portfolio	NOUN
fsr-3529	18	28	.	.	PUNCT
fsr-3529	19	1	when	when	SCONJ
fsr-3529	19	2	studying	study	VERB
fsr-3529	19	3	the	the	DET
fsr-3529	19	4	medical	medical	ADJ
fsr-3529	19	5	cost	cost	NOUN
fsr-3529	19	6	risk	risk	NOUN
fsr-3529	19	7	,	,	PUNCT
fsr-3529	19	8	ayyagari	ayyagari	ADJ
fsr-3529	19	9	and	and	CCONJ
fsr-3529	19	10	he	he	PRON
fsr-3529	19	11	(	(	PUNCT
fsr-3529	19	12	2017	2017	NUM
fsr-3529	19	13	)	)	PUNCT
fsr-3529	19	14	find	find	VERB
fsr-3529	19	15	that	that	SCONJ
fsr-3529	19	16	when	when	SCONJ
fsr-3529	19	17	facing	face	VERB
fsr-3529	19	18	increased	increase	VERB
fsr-3529	19	19	medical	medical	ADJ
fsr-3529	19	20	expenditure	expenditure	NOUN
fsr-3529	19	21	risk	risk	NOUN
fsr-3529	19	22	,	,	PUNCT
fsr-3529	19	23	people	people	NOUN
fsr-3529	19	24	who	who	PRON
fsr-3529	19	25	have	have	VERB
fsr-3529	19	26	a	a	DET
fsr-3529	19	27	planning	planning	NOUN
fsr-3529	19	28	horizon	horizon	NOUN
fsr-3529	19	29	longer	long	ADV
fsr-3529	19	30	than	than	ADP
fsr-3529	19	31	five	five	NUM
fsr-3529	19	32	years	year	NOUN
fsr-3529	19	33	are	be	AUX
fsr-3529	19	34	willing	willing	ADJ
fsr-3529	19	35	to	to	PART
fsr-3529	19	36	take	take	VERB
fsr-3529	19	37	more	more	ADJ
fsr-3529	19	38	equity	equity	NOUN
fsr-3529	19	39	exposure	exposure	NOUN
fsr-3529	19	40	.	.	PUNCT
fsr-3529	20	1	liu	liu	PROPN
fsr-3529	20	2	et	et	PROPN
fsr-3529	20	3	al	al	PROPN
fsr-3529	20	4	.	.	PROPN
fsr-3529	21	1	(	(	PUNCT
fsr-3529	21	2	2021	2021	NUM
fsr-3529	21	3	)	)	PUNCT
fsr-3529	21	4	study	study	VERB
fsr-3529	21	5	how	how	SCONJ
fsr-3529	21	6	the	the	DET
fsr-3529	21	7	financial	financial	ADJ
fsr-3529	21	8	planning	planning	NOUN
fsr-3529	21	9	horizon	horizon	NOUN
fsr-3529	21	10	is	be	AUX
fsr-3529	21	11	associated	associate	VERB
fsr-3529	21	12	with	with	ADP
fsr-3529	21	13	investors	investor	NOUN
fsr-3529	21	14	’	’	PART
fsr-3529	21	15	stock	stock	NOUN
fsr-3529	21	16	market	market	NOUN
fsr-3529	21	17	return	return	NOUN
fsr-3529	21	18	expectations	expectation	NOUN
fsr-3529	21	19	.	.	PUNCT
fsr-3529	22	1	they	they	PRON
fsr-3529	22	2	conclude	conclude	VERB
fsr-3529	22	3	that	that	SCONJ
fsr-3529	22	4	having	have	VERB
fsr-3529	22	5	a	a	DET
fsr-3529	22	6	financial	financial	ADJ
fsr-3529	22	7	planning	planning	NOUN
fsr-3529	22	8	horizon	horizon	NOUN
fsr-3529	22	9	of	of	ADP
fsr-3529	22	10	one	one	NUM
fsr-3529	22	11	year	year	NOUN
fsr-3529	22	12	or	or	CCONJ
fsr-3529	22	13	less	less	ADV
fsr-3529	22	14	is	be	AUX
fsr-3529	22	15	related	relate	VERB
fsr-3529	22	16	to	to	ADP
fsr-3529	22	17	higher	high	ADJ
fsr-3529	22	18	expectations	expectation	NOUN
fsr-3529	22	19	of	of	ADP
fsr-3529	22	20	a	a	DET
fsr-3529	22	21	20	20	NUM
fsr-3529	22	22	%	%	NOUN
fsr-3529	22	23	loss	loss	NOUN
fsr-3529	22	24	in	in	ADP
fsr-3529	22	25	the	the	DET
fsr-3529	22	26	next	next	ADJ
fsr-3529	22	27	year	year	NOUN
fsr-3529	22	28	’s	’s	PART
fsr-3529	22	29	stock	stock	NOUN
fsr-3529	22	30	market	market	NOUN
fsr-3529	22	31	.	.	PUNCT
fsr-3529	23	1	financial	financial	ADJ
fsr-3529	23	2	planning	planning	NOUN
fsr-3529	23	3	horizon	horizon	NOUN
fsr-3529	23	4	also	also	ADV
fsr-3529	23	5	impacts	impact	VERB
fsr-3529	23	6	the	the	DET
fsr-3529	23	7	actual	actual	ADJ
fsr-3529	23	8	investment	investment	NOUN
fsr-3529	23	9	behavior	behavior	NOUN
fsr-3529	23	10	.	.	PUNCT
fsr-3529	24	1	asebedo	asebedo	PROPN
fsr-3529	24	2	and	and	CCONJ
fsr-3529	24	3	browning	browning	NOUN
fsr-3529	24	4	(	(	PUNCT
fsr-3529	24	5	2020	2020	NUM
fsr-3529	24	6	)	)	PUNCT
fsr-3529	24	7	found	find	VERB
fsr-3529	24	8	that	that	SCONJ
fsr-3529	24	9	a	a	PRON
fsr-3529	24	10	longer	long	ADJ
fsr-3529	24	11	financial	financial	ADJ
fsr-3529	24	12	planning	planning	NOUN
fsr-3529	24	13	horizon	horizon	NOUN
fsr-3529	24	14	is	be	AUX
fsr-3529	24	15	associated	associate	VERB
fsr-3529	24	16	with	with	ADP
fsr-3529	24	17	a	a	DET
fsr-3529	24	18	lower	low	ADJ
fsr-3529	24	19	retirement	retirement	NOUN
fsr-3529	24	20	portfolio	portfolio	NOUN
fsr-3529	24	21	withdrawal	withdrawal	NOUN
fsr-3529	24	22	rate	rate	NOUN
fsr-3529	24	23	.	.	PUNCT
fsr-3529	25	1	munnell	munnell	PROPN
fsr-3529	25	2	et	et	PROPN
fsr-3529	25	3	al	al	PROPN
fsr-3529	25	4	.	.	PROPN
fsr-3529	26	1	(	(	PUNCT
fsr-3529	26	2	2001	2001	NUM
fsr-3529	26	3	)	)	PUNCT
fsr-3529	26	4	conclude	conclude	VERB
fsr-3529	26	5	that	that	SCONJ
fsr-3529	26	6	employees	employee	NOUN
fsr-3529	26	7	with	with	ADP
fsr-3529	26	8	short	short	ADJ
fsr-3529	26	9	financial	financial	ADJ
fsr-3529	26	10	planning	planning	NOUN
fsr-3529	26	11	horizons	horizon	NOUN
fsr-3529	26	12	have	have	VERB
fsr-3529	26	13	a	a	DET
fsr-3529	26	14	lower	low	ADJ
fsr-3529	26	15	taste	taste	NOUN
fsr-3529	26	16	of	of	ADP
fsr-3529	26	17	saving	saving	NOUN
fsr-3529	26	18	and	and	CCONJ
fsr-3529	26	19	a	a	DET
fsr-3529	26	20	smaller	small	ADJ
fsr-3529	26	21	probability	probability	NOUN
fsr-3529	26	22	of	of	ADP
fsr-3529	26	23	participating	participate	VERB
fsr-3529	26	24	in	in	ADP
fsr-3529	26	25	a	a	DET
fsr-3529	26	26	pension	pension	NOUN
fsr-3529	26	27	plan	plan	NOUN
fsr-3529	26	28	.	.	PUNCT
fsr-3529	27	1	using	use	VERB
fsr-3529	27	2	the	the	DET
fsr-3529	27	3	health	health	NOUN
fsr-3529	27	4	and	and	CCONJ
fsr-3529	27	5	retirement	retirement	NOUN
fsr-3529	27	6	study	study	NOUN
fsr-3529	27	7	(	(	PUNCT
fsr-3529	27	8	hrs	hrs	NOUN
fsr-3529	27	9	)	)	PUNCT
fsr-3529	27	10	data	datum	NOUN
fsr-3529	27	11	,	,	PUNCT
fsr-3529	27	12	liu	liu	PROPN
fsr-3529	27	13	and	and	CCONJ
fsr-3529	27	14	james	james	PROPN
fsr-3529	27	15	(	(	PUNCT
fsr-3529	27	16	2017	2017	NUM
fsr-3529	27	17	)	)	PUNCT
fsr-3529	27	18	find	find	VERB
fsr-3529	27	19	that	that	SCONJ
fsr-3529	27	20	individuals	individual	NOUN
fsr-3529	27	21	with	with	ADP
fsr-3529	27	22	longer	long	ADJ
fsr-3529	27	23	financial	financial	ADJ
fsr-3529	27	24	planning	planning	NOUN
fsr-3529	27	25	horizons	horizon	NOUN
fsr-3529	27	26	are	be	AUX
fsr-3529	27	27	more	more	ADV
fsr-3529	27	28	likely	likely	ADJ
fsr-3529	27	29	to	to	PART
fsr-3529	27	30	have	have	VERB
fsr-3529	27	31	valid	valid	ADJ
fsr-3529	27	32	estate	estate	NOUN
fsr-3529	27	33	planning	planning	NOUN
fsr-3529	27	34	documents	document	NOUN
fsr-3529	27	35	.	.	PUNCT
fsr-3529	28	1	liu	liu	PROPN
fsr-3529	28	2	and	and	CCONJ
fsr-3529	28	3	james	james	PROPN
fsr-3529	28	4	(	(	PUNCT
fsr-3529	28	5	2020	2020	NUM
fsr-3529	28	6	)	)	PUNCT
fsr-3529	28	7	find	find	VERB
fsr-3529	28	8	that	that	SCONJ
fsr-3529	28	9	such	such	ADJ
fsr-3529	28	10	individuals	individual	NOUN
fsr-3529	28	11	are	be	AUX
fsr-3529	28	12	also	also	ADV
fsr-3529	28	13	more	more	ADV
fsr-3529	28	14	likely	likely	ADJ
fsr-3529	28	15	to	to	PART
fsr-3529	28	16	make	make	VERB
fsr-3529	28	17	substantial	substantial	ADJ
fsr-3529	28	18	gifts	gift	NOUN
fsr-3529	28	19	to	to	ADP
fsr-3529	28	20	charity	charity	NOUN
fsr-3529	28	21	.	.	PUNCT
fsr-3529	29	1	past	past	ADJ
fsr-3529	29	2	studies	study	NOUN
fsr-3529	29	3	found	find	VERB
fsr-3529	29	4	that	that	SCONJ
fsr-3529	29	5	the	the	DET
fsr-3529	29	6	financial	financial	ADJ
fsr-3529	29	7	planning	planning	NOUN
fsr-3529	29	8	horizon	horizon	NOUN
fsr-3529	29	9	is	be	AUX
fsr-3529	29	10	related	relate	VERB
fsr-3529	29	11	to	to	ADP
fsr-3529	29	12	psychological	psychological	ADJ
fsr-3529	29	13	and	and	CCONJ
fsr-3529	29	14	selfperceived	selfperceive	VERB
fsr-3529	29	15	financial	financial	ADJ
fsr-3529	29	16	well	well	NOUN
fsr-3529	29	17	-	-	PUNCT
fsr-3529	29	18	being	being	NOUN
fsr-3529	29	19	.	.	PUNCT
fsr-3529	30	1	for	for	ADP
fsr-3529	30	2	example	example	NOUN
fsr-3529	30	3	,	,	PUNCT
fsr-3529	30	4	malroutu	malroutu	NOUN
fsr-3529	30	5	and	and	CCONJ
fsr-3529	30	6	xiao	xiao	PROPN
fsr-3529	30	7	(	(	PUNCT
fsr-3529	30	8	1995	1995	NUM
fsr-3529	30	9	)	)	PUNCT
fsr-3529	30	10	conclude	conclude	VERB
fsr-3529	30	11	that	that	SCONJ
fsr-3529	30	12	preretirees	preretiree	NOUN
fsr-3529	30	13	who	who	PRON
fsr-3529	30	14	plan	plan	VERB
fsr-3529	30	15	to	to	PART
fsr-3529	30	16	save	save	VERB
fsr-3529	30	17	for	for	ADP
fsr-3529	30	18	the	the	DET
fsr-3529	30	19	next	next	ADJ
fsr-3529	30	20	five	five	NUM
fsr-3529	30	21	years	year	NOUN
fsr-3529	30	22	are	be	AUX
fsr-3529	30	23	more	more	ADV
fsr-3529	30	24	likely	likely	ADJ
fsr-3529	30	25	to	to	PART
fsr-3529	30	26	perceive	perceive	VERB
fsr-3529	30	27	having	have	VERB
fsr-3529	30	28	adequate	adequate	ADJ
fsr-3529	30	29	retirement	retirement	NOUN
fsr-3529	30	30	income	income	NOUN
fsr-3529	30	31	versus	versus	ADP
fsr-3529	30	32	those	those	PRON
fsr-3529	30	33	who	who	PRON
fsr-3529	30	34	do	do	AUX
fsr-3529	30	35	not	not	PART
fsr-3529	30	36	have	have	AUX
fsr-3529	30	37	saving	save	VERB
fsr-3529	30	38	plans	plan	NOUN
fsr-3529	30	39	.	.	PUNCT
fsr-3529	31	1	choung	choung	NOUN
fsr-3529	31	2	et	et	PROPN
fsr-3529	31	3	al	al	PROPN
fsr-3529	31	4	.	.	PROPN
fsr-3529	32	1	(	(	PUNCT
fsr-3529	32	2	2022	2022	NUM
fsr-3529	32	3	)	)	PUNCT
fsr-3529	32	4	found	find	VERB
fsr-3529	32	5	that	that	SCONJ
fsr-3529	32	6	people	people	NOUN
fsr-3529	32	7	with	with	ADP
fsr-3529	32	8	major	major	ADJ
fsr-3529	32	9	depression	depression	NOUN
fsr-3529	32	10	tend	tend	VERB
fsr-3529	32	11	to	to	PART
fsr-3529	32	12	have	have	VERB
fsr-3529	32	13	a	a	DET
fsr-3529	32	14	shorter	short	ADJ
fsr-3529	32	15	financial	financial	ADJ
fsr-3529	32	16	planning	planning	NOUN
fsr-3529	32	17	horizon	horizon	NOUN
fsr-3529	32	18	.	.	PUNCT
fsr-3529	33	1	while	while	SCONJ
fsr-3529	33	2	most	most	ADJ
fsr-3529	33	3	studies	study	NOUN
fsr-3529	33	4	treat	treat	VERB
fsr-3529	33	5	people	people	NOUN
fsr-3529	33	6	’s	’s	PART
fsr-3529	33	7	financial	financial	ADJ
fsr-3529	33	8	planning	planning	NOUN
fsr-3529	33	9	horizon	horizon	NOUN
fsr-3529	33	10	as	as	ADP
fsr-3529	33	11	a	a	DET
fsr-3529	33	12	measure	measure	NOUN
fsr-3529	33	13	of	of	ADP
fsr-3529	33	14	time	time	NOUN
fsr-3529	33	15	preference	preference	NOUN
fsr-3529	33	16	(	(	PUNCT
fsr-3529	33	17	khwaja	khwaja	PROPN
fsr-3529	33	18	,	,	PUNCT
fsr-3529	33	19	sloan	sloan	PROPN
fsr-3529	33	20	,	,	PUNCT
fsr-3529	33	21	&	&	CCONJ
fsr-3529	33	22	salm	salm	PROPN
fsr-3529	33	23	,	,	PUNCT
fsr-3529	33	24	2006	2006	NUM
fsr-3529	33	25	)	)	PUNCT
fsr-3529	33	26	.	.	PUNCT
fsr-3529	34	1	hong	hong	PROPN
fsr-3529	34	2	and	and	CCONJ
fsr-3529	34	3	hanna	hanna	PROPN
fsr-3529	34	4	(	(	PUNCT
fsr-3529	34	5	2014	2014	NUM
fsr-3529	34	6	)	)	PUNCT
fsr-3529	34	7	point	point	VERB
fsr-3529	34	8	out	out	ADP
fsr-3529	34	9	that	that	SCONJ
fsr-3529	34	10	it	it	PRON
fsr-3529	34	11	is	be	AUX
fsr-3529	34	12	unclear	unclear	ADJ
fsr-3529	34	13	whether	whether	SCONJ
fsr-3529	34	14	financial	financial	ADJ
fsr-3529	34	15	planning	planning	NOUN
fsr-3529	34	16	horizons	horizon	NOUN
fsr-3529	34	17	reflect	reflect	VERB
fsr-3529	34	18	time	time	NOUN
fsr-3529	34	19	preferences	preference	NOUN
fsr-3529	34	20	or	or	CCONJ
fsr-3529	34	21	situational	situational	ADJ
fsr-3529	34	22	variables	variable	NOUN
fsr-3529	34	23	.	.	PUNCT
fsr-3529	35	1	they	they	PRON
fsr-3529	35	2	indicate	indicate	VERB
fsr-3529	35	3	that	that	SCONJ
fsr-3529	35	4	the	the	DET
fsr-3529	35	5	financial	financial	ADJ
fsr-3529	35	6	planning	planning	NOUN
fsr-3529	35	7	horizon	horizon	NOUN
fsr-3529	35	8	is	be	AUX
fsr-3529	35	9	not	not	PART
fsr-3529	35	10	measuring	measure	VERB
fsr-3529	35	11	time	time	NOUN
fsr-3529	35	12	preference	preference	NOUN
fsr-3529	35	13	but	but	CCONJ
fsr-3529	35	14	a	a	DET
fsr-3529	35	15	situational	situational	ADJ
fsr-3529	35	16	variable	variable	NOUN
fsr-3529	35	17	because	because	SCONJ
fsr-3529	35	18	it	it	PRON
fsr-3529	35	19	is	be	AUX
fsr-3529	35	20	significantly	significantly	ADV
fsr-3529	35	21	related	relate	VERB
fsr-3529	35	22	to	to	ADP
fsr-3529	35	23	the	the	DET
fsr-3529	35	24	demographic	demographic	ADJ
fsr-3529	35	25	variables	variable	NOUN
fsr-3529	35	26	of	of	ADP
fsr-3529	35	27	the	the	DET
fsr-3529	35	28	respondents	respondent	NOUN
fsr-3529	35	29	using	use	VERB
fsr-3529	35	30	the	the	DET
fsr-3529	35	31	survey	survey	NOUN
fsr-3529	35	32	of	of	ADP
fsr-3529	35	33	consumer	consumer	NOUN
fsr-3529	35	34	affairs	affair	NOUN
fsr-3529	35	35	(	(	PUNCT
fsr-3529	35	36	scf	scf	PROPN
fsr-3529	35	37	)	)	PUNCT
fsr-3529	35	38	data	datum	NOUN
fsr-3529	35	39	.	.	PUNCT
fsr-3529	36	1	they	they	PRON
fsr-3529	36	2	also	also	ADV
fsr-3529	36	3	suggest	suggest	VERB
fsr-3529	36	4	that	that	SCONJ
fsr-3529	36	5	time	time	NOUN
fsr-3529	36	6	preference	preference	NOUN
fsr-3529	36	7	is	be	AUX
fsr-3529	36	8	constant	constant	ADJ
fsr-3529	36	9	,	,	PUNCT
fsr-3529	36	10	but	but	CCONJ
fsr-3529	36	11	the	the	DET
fsr-3529	36	12	financial	financial	ADJ
fsr-3529	36	13	planning	planning	NOUN
fsr-3529	36	14	horizon	horizon	NOUN
fsr-3529	36	15	is	be	AUX
fsr-3529	36	16	not	not	PART
fsr-3529	36	17	constant	constant	ADJ
fsr-3529	36	18	.	.	PUNCT
fsr-3529	37	1	therefore	therefore	ADV
fsr-3529	37	2	,	,	PUNCT
fsr-3529	37	3	the	the	DET
fsr-3529	37	4	financial	financial	ADJ
fsr-3529	37	5	planning	planning	NOUN
fsr-3529	37	6	horizon	horizon	NOUN
fsr-3529	37	7	is	be	AUX
fsr-3529	37	8	not	not	PART
fsr-3529	37	9	measuring	measure	VERB
fsr-3529	37	10	time	time	NOUN
fsr-3529	37	11	preference	preference	NOUN
fsr-3529	37	12	.	.	PUNCT
fsr-3529	38	1	however	however	ADV
fsr-3529	38	2	,	,	PUNCT
fsr-3529	38	3	as	as	SCONJ
fsr-3529	38	4	proposed	propose	VERB
fsr-3529	38	5	by	by	ADP
fsr-3529	38	6	becker	becker	PROPN
fsr-3529	38	7	and	and	CCONJ
fsr-3529	38	8	mulligan	mulligan	PROPN
fsr-3529	38	9	(	(	PUNCT
fsr-3529	38	10	1997	1997	NUM
fsr-3529	38	11	)	)	PUNCT
fsr-3529	38	12	,	,	PUNCT
fsr-3529	38	13	time	time	NOUN
fsr-3529	38	14	preference	preference	NOUN
fsr-3529	38	15	can	can	AUX
fsr-3529	38	16	be	be	AUX
fsr-3529	38	17	endogenously	endogenously	ADV
fsr-3529	38	18	determined	determine	VERB
fsr-3529	38	19	,	,	PUNCT
fsr-3529	38	20	and	and	CCONJ
fsr-3529	38	21	over	over	ADP
fsr-3529	38	22	time	time	NOUN
fsr-3529	38	23	,	,	PUNCT
fsr-3529	38	24	investment	investment	NOUN
fsr-3529	38	25	in	in	ADP
fsr-3529	38	26	education	education	NOUN
fsr-3529	38	27	and	and	CCONJ
fsr-3529	38	28	practice	practice	NOUN
fsr-3529	38	29	in	in	ADP
fsr-3529	38	30	imagining	imagine	VERB
fsr-3529	38	31	future	future	ADJ
fsr-3529	38	32	outcomes	outcome	NOUN
fsr-3529	38	33	will	will	AUX
fsr-3529	38	34	decrease	decrease	VERB
fsr-3529	38	35	time	time	NOUN
fsr-3529	38	36	discounting	discount	VERB
fsr-3529	38	37	.	.	PUNCT
fsr-3529	39	1	this	this	PRON
fsr-3529	39	2	is	be	AUX
fsr-3529	39	3	consistent	consistent	ADJ
fsr-3529	39	4	with	with	ADP
fsr-3529	39	5	rising	rise	VERB
fsr-3529	39	6	time	time	NOUN
fsr-3529	39	7	preference	preference	NOUN
fsr-3529	39	8	into	into	ADP
fsr-3529	39	9	middle	middle	ADJ
fsr-3529	39	10	age	age	NOUN
fsr-3529	39	11	(	(	PUNCT
fsr-3529	39	12	such	such	ADJ
fsr-3529	39	13	as	as	ADP
fsr-3529	39	14	43	43	NUM
fsr-3529	39	15	)	)	PUNCT
fsr-3529	39	16	.	.	PUNCT
fsr-3529	40	1	additionally	additionally	ADV
fsr-3529	40	2	,	,	PUNCT
fsr-3529	40	3	time	time	NOUN
fsr-3529	40	4	preference	preference	NOUN
fsr-3529	40	5	should	should	AUX
fsr-3529	40	6	be	be	AUX
fsr-3529	40	7	expected	expect	VERB
fsr-3529	40	8	to	to	PART
fsr-3529	40	9	change	change	VERB
fsr-3529	40	10	in	in	ADP
fsr-3529	40	11	later	later	ADJ
fsr-3529	40	12	life	life	NOUN
fsr-3529	40	13	based	base	VERB
fsr-3529	40	14	primarily	primarily	ADV
fsr-3529	40	15	upon	upon	SCONJ
fsr-3529	40	16	changes	change	NOUN
fsr-3529	40	17	in	in	ADP
fsr-3529	40	18	life	life	NOUN
fsr-3529	40	19	expectancy	expectancy	NOUN
fsr-3529	40	20	.	.	PUNCT
fsr-3529	41	1	baranov	baranov	NOUN
fsr-3529	41	2	and	and	CCONJ
fsr-3529	41	3	kohler	kohler	NOUN
fsr-3529	41	4	(	(	PUNCT
fsr-3529	41	5	2018	2018	NUM
fsr-3529	41	6	)	)	PUNCT
fsr-3529	41	7	find	find	VERB
fsr-3529	41	8	that	that	SCONJ
fsr-3529	41	9	individuals	individual	NOUN
fsr-3529	41	10	actively	actively	ADV
fsr-3529	41	11	change	change	VERB
fsr-3529	41	12	their	their	PRON
fsr-3529	41	13	investment	investment	NOUN
fsr-3529	41	14	decisions	decision	NOUN
fsr-3529	41	15	based	base	VERB
fsr-3529	41	16	on	on	ADP
fsr-3529	41	17	their	their	PRON
fsr-3529	41	18	subjective	subjective	ADJ
fsr-3529	41	19	longevity	longevity	NOUN
fsr-3529	41	20	,	,	PUNCT
fsr-3529	41	21	even	even	ADV
fsr-3529	41	22	in	in	ADP
fsr-3529	41	23	a	a	DET
fsr-3529	41	24	low	low	ADJ
fsr-3529	41	25	-	-	PUNCT
fsr-3529	41	26	income	income	NOUN
fsr-3529	41	27	environment	environment	NOUN
fsr-3529	41	28	.	.	PUNCT
fsr-3529	42	1	indeed	indeed	ADV
fsr-3529	42	2	,	,	PUNCT
fsr-3529	42	3	it	it	PRON
fsr-3529	42	4	would	would	AUX
fsr-3529	42	5	be	be	AUX
fsr-3529	42	6	irrational	irrational	ADJ
fsr-3529	42	7	if	if	SCONJ
fsr-3529	42	8	an	an	DET
fsr-3529	42	9	individual	individual	NOUN
fsr-3529	42	10	maintains	maintain	VERB
fsr-3529	42	11	a	a	DET
fsr-3529	42	12	high	high	ADJ
fsr-3529	42	13	preference	preference	NOUN
fsr-3529	42	14	for	for	ADP
fsr-3529	42	15	rewards	reward	NOUN
fsr-3529	42	16	paid	pay	VERB
fsr-3529	42	17	over	over	ADP
fsr-3529	42	18	30	30	NUM
fsr-3529	42	19	years	year	NOUN
fsr-3529	42	20	,	,	PUNCT
fsr-3529	42	21	as	as	SCONJ
fsr-3529	42	22	one	one	NUM
fsr-3529	42	23	’s	’s	PART
fsr-3529	42	24	life	life	NOUN
fsr-3529	42	25	expectancy	expectancy	NOUN
fsr-3529	42	26	shortens	shorten	VERB
fsr-3529	42	27	with	with	ADP
fsr-3529	42	28	aging	aging	NOUN
fsr-3529	42	29	(	(	PUNCT
fsr-3529	42	30	moved	move	VERB
fsr-3529	42	31	from	from	ADP
fsr-3529	42	32	40	40	NUM
fsr-3529	42	33	to	to	PART
fsr-3529	42	34	108	108	NUM
fsr-3529	42	35	z.	z.	PROPN
fsr-3529	42	36	liu	liu	PROPN
fsr-3529	42	37	et	et	PROPN
fsr-3529	42	38	al	al	PROPN
fsr-3529	42	39	.	.	PUNCT
fsr-3529	42	40	/	/	SYM
fsr-3529	42	41	financial	financial	ADJ
fsr-3529	42	42	services	service	NOUN
fsr-3529	42	43	review	review	VERB
fsr-3529	42	44	31	31	NUM
fsr-3529	42	45	(	(	PUNCT
fsr-3529	42	46	2023	2023	NUM
fsr-3529	42	47	)	)	PUNCT
fsr-3529	42	48	107–120	107–120	NUM
fsr-3529	42	49	20	20	NUM
fsr-3529	42	50	to	to	PART
fsr-3529	42	51	10	10	NUM
fsr-3529	42	52	to	to	PART
fsr-3529	42	53	five	five	NUM
fsr-3529	42	54	years	year	NOUN
fsr-3529	42	55	.	.	PUNCT
fsr-3529	42	56	)	)	PUNCT
fsr-3529	43	1	the	the	DET
fsr-3529	43	2	explanation	explanation	NOUN
fsr-3529	43	3	is	be	AUX
fsr-3529	43	4	consistent	consistent	ADJ
fsr-3529	43	5	with	with	ADP
fsr-3529	43	6	an	an	DET
fsr-3529	43	7	increasing	increase	VERB
fsr-3529	43	8	rate	rate	NOUN
fsr-3529	43	9	of	of	ADP
fsr-3529	43	10	time	time	NOUN
fsr-3529	43	11	discounting	discount	VERB
fsr-3529	43	12	later	later	ADV
fsr-3529	43	13	in	in	ADP
fsr-3529	43	14	life	life	NOUN
fsr-3529	43	15	,	,	PUNCT
fsr-3529	43	16	and	and	CCONJ
fsr-3529	43	17	it	it	PRON
fsr-3529	43	18	is	be	AUX
fsr-3529	43	19	the	the	DET
fsr-3529	43	20	focus	focus	NOUN
fsr-3529	43	21	of	of	ADP
fsr-3529	43	22	the	the	DET
fsr-3529	43	23	current	current	ADJ
fsr-3529	43	24	study	study	NOUN
fsr-3529	43	25	.	.	PUNCT
fsr-3529	44	1	some	some	DET
fsr-3529	44	2	initial	initial	ADJ
fsr-3529	44	3	evidence	evidence	NOUN
fsr-3529	44	4	appears	appear	VERB
fsr-3529	44	5	inconsistent	inconsistent	ADJ
fsr-3529	44	6	with	with	ADP
fsr-3529	44	7	this	this	DET
fsr-3529	44	8	argument	argument	NOUN
fsr-3529	44	9	.	.	PUNCT
fsr-3529	45	1	however	however	ADV
fsr-3529	45	2	,	,	PUNCT
fsr-3529	45	3	if	if	SCONJ
fsr-3529	45	4	the	the	DET
fsr-3529	45	5	measurement	measurement	NOUN
fsr-3529	45	6	for	for	ADP
fsr-3529	45	7	the	the	DET
fsr-3529	45	8	financial	financial	ADJ
fsr-3529	45	9	planning	planning	NOUN
fsr-3529	45	10	horizon	horizon	NOUN
fsr-3529	45	11	does	do	AUX
fsr-3529	45	12	not	not	PART
fsr-3529	45	13	extend	extend	VERB
fsr-3529	45	14	beyond	beyond	ADP
fsr-3529	45	15	10	10	NUM
fsr-3529	45	16	or	or	CCONJ
fsr-3529	45	17	20	20	NUM
fsr-3529	45	18	years	year	NOUN
fsr-3529	45	19	,	,	PUNCT
fsr-3529	45	20	then	then	ADV
fsr-3529	45	21	longevity	longevity	NOUN
fsr-3529	45	22	predictions	prediction	NOUN
fsr-3529	45	23	would	would	AUX
fsr-3529	45	24	not	not	PART
fsr-3529	45	25	be	be	AUX
fsr-3529	45	26	expected	expect	VERB
fsr-3529	45	27	to	to	PART
fsr-3529	45	28	greatly	greatly	ADV
fsr-3529	45	29	influence	influence	VERB
fsr-3529	45	30	this	this	DET
fsr-3529	45	31	factor	factor	NOUN
fsr-3529	45	32	until	until	ADP
fsr-3529	45	33	the	the	DET
fsr-3529	45	34	end	end	NOUN
fsr-3529	45	35	of	of	ADP
fsr-3529	45	36	life	life	NOUN
fsr-3529	45	37	.	.	PUNCT
fsr-3529	46	1	in	in	ADP
fsr-3529	46	2	particular	particular	ADJ
fsr-3529	46	3	,	,	PUNCT
fsr-3529	46	4	this	this	PRON
fsr-3529	46	5	occurs	occur	VERB
fsr-3529	46	6	when	when	SCONJ
fsr-3529	46	7	subjective	subjective	ADJ
fsr-3529	46	8	life	life	NOUN
fsr-3529	46	9	expectancy	expectancy	NOUN
fsr-3529	46	10	falls	fall	VERB
fsr-3529	46	11	below	below	ADP
fsr-3529	46	12	the	the	DET
fsr-3529	46	13	highest	high	ADJ
fsr-3529	46	14	financial	financial	ADJ
fsr-3529	46	15	planning	planning	NOUN
fsr-3529	46	16	measurement	measurement	NOUN
fsr-3529	46	17	categories	category	NOUN
fsr-3529	46	18	.	.	PUNCT
fsr-3529	47	1	it	it	PRON
fsr-3529	47	2	is	be	AUX
fsr-3529	47	3	this	this	DET
fsr-3529	47	4	end	end	NOUN
fsr-3529	47	5	-	-	PUNCT
fsr-3529	47	6	of	of	ADP
fsr-3529	47	7	-	-	PUNCT
fsr-3529	47	8	life	life	NOUN
fsr-3529	47	9	subjective	subjective	ADJ
fsr-3529	47	10	life	life	NOUN
fsr-3529	47	11	expectancy	expectancy	NOUN
fsr-3529	47	12	effect	effect	NOUN
fsr-3529	47	13	that	that	SCONJ
fsr-3529	47	14	the	the	DET
fsr-3529	47	15	current	current	ADJ
fsr-3529	47	16	paper	paper	NOUN
fsr-3529	47	17	explores	explore	NOUN
fsr-3529	47	18	.	.	PUNCT
fsr-3529	48	1	the	the	DET
fsr-3529	48	2	important	important	ADJ
fsr-3529	48	3	implications	implication	NOUN
fsr-3529	48	4	of	of	ADP
fsr-3529	48	5	the	the	DET
fsr-3529	48	6	households	household	NOUN
fsr-3529	48	7	’	'	PUNCT
fsr-3529	48	8	and	and	CCONJ
fsr-3529	48	9	individuals	individual	NOUN
fsr-3529	48	10	’	'	PUNCT
fsr-3529	48	11	financial	financial	ADJ
fsr-3529	48	12	planning	planning	NOUN
fsr-3529	48	13	horizons	horizon	NOUN
fsr-3529	48	14	motivate	motivate	VERB
fsr-3529	48	15	this	this	DET
fsr-3529	48	16	study	study	NOUN
fsr-3529	48	17	to	to	PART
fsr-3529	48	18	investigate	investigate	VERB
fsr-3529	48	19	the	the	DET
fsr-3529	48	20	different	different	ADJ
fsr-3529	48	21	factors	factor	NOUN
fsr-3529	48	22	that	that	PRON
fsr-3529	48	23	affect	affect	VERB
fsr-3529	48	24	people	people	NOUN
fsr-3529	48	25	’s	’s	PART
fsr-3529	48	26	planning	planning	NOUN
fsr-3529	48	27	horizons	horizon	NOUN
fsr-3529	48	28	.	.	PUNCT
fsr-3529	49	1	in	in	ADP
fsr-3529	49	2	particular	particular	ADJ
fsr-3529	49	3	,	,	PUNCT
fsr-3529	49	4	this	this	DET
fsr-3529	49	5	study	study	NOUN
fsr-3529	49	6	is	be	AUX
fsr-3529	49	7	interested	interested	ADJ
fsr-3529	49	8	in	in	ADP
fsr-3529	49	9	analyzing	analyze	VERB
fsr-3529	49	10	the	the	DET
fsr-3529	49	11	relationship	relationship	NOUN
fsr-3529	49	12	between	between	ADP
fsr-3529	49	13	people	people	NOUN
fsr-3529	49	14	’s	’s	PART
fsr-3529	49	15	financial	financial	ADJ
fsr-3529	49	16	planning	planning	NOUN
fsr-3529	49	17	horizon	horizon	NOUN
fsr-3529	49	18	and	and	CCONJ
fsr-3529	49	19	their	their	PRON
fsr-3529	49	20	self	self	NOUN
fsr-3529	49	21	-	-	PUNCT
fsr-3529	49	22	perceived	perceive	VERB
fsr-3529	49	23	life	life	NOUN
fsr-3529	49	24	expectancy	expectancy	NOUN
fsr-3529	49	25	.	.	PUNCT
fsr-3529	50	1	using	use	VERB
fsr-3529	50	2	the	the	DET
fsr-3529	50	3	hrs	hrs	NOUN
fsr-3529	50	4	data	datum	NOUN
fsr-3529	50	5	,	,	PUNCT
fsr-3529	50	6	both	both	DET
fsr-3529	50	7	cross	cross	ADJ
fsr-3529	50	8	-	-	ADJ
fsr-3529	50	9	sectional	sectional	ADJ
fsr-3529	50	10	and	and	CCONJ
fsr-3529	50	11	longitudinal	longitudinal	ADJ
fsr-3529	50	12	regressions	regression	NOUN
fsr-3529	50	13	demonstrate	demonstrate	VERB
fsr-3529	50	14	the	the	DET
fsr-3529	50	15	existence	existence	NOUN
fsr-3529	50	16	of	of	ADP
fsr-3529	50	17	such	such	DET
fsr-3529	50	18	a	a	DET
fsr-3529	50	19	relationship	relationship	NOUN
fsr-3529	50	20	.	.	PUNCT
fsr-3529	51	1	this	this	DET
fsr-3529	51	2	paper	paper	NOUN
fsr-3529	51	3	provides	provide	VERB
fsr-3529	51	4	robust	robust	ADJ
fsr-3529	51	5	evidence	evidence	NOUN
fsr-3529	51	6	affirming	affirm	VERB
fsr-3529	51	7	the	the	DET
fsr-3529	51	8	following	follow	VERB
fsr-3529	51	9	hypothesis	hypothesis	NOUN
fsr-3529	51	10	:	:	PUNCT
fsr-3529	51	11	individuals	individual	NOUN
fsr-3529	51	12	’	’	PART
fsr-3529	51	13	self	self	NOUN
fsr-3529	51	14	-	-	PUNCT
fsr-3529	51	15	perceived	perceive	VERB
fsr-3529	51	16	life	life	NOUN
fsr-3529	51	17	expectancies	expectancy	NOUN
fsr-3529	51	18	significantly	significantly	ADV
fsr-3529	51	19	affect	affect	VERB
fsr-3529	51	20	their	their	PRON
fsr-3529	51	21	financial	financial	ADJ
fsr-3529	51	22	planning	planning	NOUN
fsr-3529	51	23	horizon	horizon	NOUN
fsr-3529	51	24	.	.	PUNCT
fsr-3529	52	1	this	this	DET
fsr-3529	52	2	relationship	relationship	NOUN
fsr-3529	52	3	reveals	reveal	VERB
fsr-3529	52	4	that	that	SCONJ
fsr-3529	52	5	the	the	DET
fsr-3529	52	6	financial	financial	ADJ
fsr-3529	52	7	planning	planning	NOUN
fsr-3529	52	8	horizon	horizon	NOUN
fsr-3529	52	9	is	be	AUX
fsr-3529	52	10	,	,	PUNCT
fsr-3529	52	11	at	at	ADP
fsr-3529	52	12	least	least	ADJ
fsr-3529	52	13	in	in	ADP
fsr-3529	52	14	part	part	NOUN
fsr-3529	52	15	,	,	PUNCT
fsr-3529	52	16	a	a	DET
fsr-3529	52	17	measure	measure	NOUN
fsr-3529	52	18	of	of	ADP
fsr-3529	52	19	rational	rational	ADJ
fsr-3529	52	20	(	(	PUNCT
fsr-3529	52	21	but	but	CCONJ
fsr-3529	52	22	not	not	PART
fsr-3529	52	23	fixed	fix	VERB
fsr-3529	52	24	)	)	PUNCT
fsr-3529	52	25	time	time	NOUN
fsr-3529	52	26	discounting	discount	VERB
fsr-3529	52	27	,	,	PUNCT
fsr-3529	52	28	based	base	VERB
fsr-3529	52	29	on	on	ADP
fsr-3529	52	30	life	life	NOUN
fsr-3529	52	31	expectancy	expectancy	NOUN
fsr-3529	52	32	.	.	PUNCT
fsr-3529	53	1	2	2	X
fsr-3529	53	2	.	.	X
fsr-3529	53	3	data	datum	NOUN
fsr-3529	53	4	this	this	DET
fsr-3529	53	5	paper	paper	NOUN
fsr-3529	53	6	uses	use	VERB
fsr-3529	53	7	the	the	DET
fsr-3529	53	8	hrs	hrs	NOUN
fsr-3529	53	9	survey	survey	NOUN
fsr-3529	53	10	data	datum	NOUN
fsr-3529	53	11	to	to	PART
fsr-3529	53	12	conduct	conduct	VERB
fsr-3529	53	13	cross	cross	ADJ
fsr-3529	53	14	-	-	ADJ
fsr-3529	53	15	sectional	sectional	ADJ
fsr-3529	53	16	and	and	CCONJ
fsr-3529	53	17	longitudinal	longitudinal	ADJ
fsr-3529	53	18	regression	regression	NOUN
fsr-3529	53	19	analyses	analysis	NOUN
fsr-3529	53	20	.	.	PUNCT
fsr-3529	54	1	variables	variable	NOUN
fsr-3529	54	2	are	be	AUX
fsr-3529	54	3	selected	select	VERB
fsr-3529	54	4	from	from	ADP
fsr-3529	54	5	the	the	DET
fsr-3529	54	6	rand	rand	NOUN
fsr-3529	54	7	(	(	PUNCT
fsr-3529	54	8	version	version	NOUN
fsr-3529	54	9	p	p	NOUN
fsr-3529	54	10	)	)	PUNCT
fsr-3529	54	11	hrs	hrs	NOUN
fsr-3529	54	12	data	datum	NOUN
fsr-3529	54	13	,	,	PUNCT
fsr-3529	54	14	the	the	DET
fsr-3529	54	15	cross	cross	ADJ
fsr-3529	54	16	-	-	ADJ
fsr-3529	54	17	wave	wave	ADJ
fsr-3529	54	18	tracker	tracker	NOUN
fsr-3529	54	19	file	file	NOUN
fsr-3529	54	20	,	,	PUNCT
fsr-3529	54	21	as	as	ADV
fsr-3529	54	22	well	well	ADV
fsr-3529	54	23	as	as	ADP
fsr-3529	54	24	the	the	DET
fsr-3529	54	25	core	core	NOUN
fsr-3529	54	26	hrs	hrs	NOUN
fsr-3529	54	27	data	data	NOUN
fsr-3529	54	28	sets	set	NOUN
fsr-3529	54	29	from	from	ADP
fsr-3529	54	30	1998	1998	NUM
fsr-3529	54	31	to	to	ADP
fsr-3529	54	32	2018	2018	NUM
fsr-3529	54	33	.	.	PUNCT
fsr-3529	55	1	since	since	SCONJ
fsr-3529	55	2	the	the	DET
fsr-3529	55	3	hrs	hrs	NOUN
fsr-3529	55	4	survey	survey	NOUN
fsr-3529	55	5	does	do	AUX
fsr-3529	55	6	not	not	PART
fsr-3529	55	7	include	include	VERB
fsr-3529	55	8	direct	direct	ADJ
fsr-3529	55	9	life	life	NOUN
fsr-3529	55	10	expectancy	expectancy	NOUN
fsr-3529	55	11	variables	variable	VERB
fsr-3529	55	12	,	,	PUNCT
fsr-3529	55	13	this	this	DET
fsr-3529	55	14	study	study	NOUN
fsr-3529	55	15	constructs	construct	VERB
fsr-3529	55	16	respondent	respondent	NOUN
fsr-3529	55	17	-	-	PUNCT
fsr-3529	55	18	level	level	NOUN
fsr-3529	55	19	,	,	PUNCT
fsr-3529	55	20	self	self	NOUN
fsr-3529	55	21	-	-	PUNCT
fsr-3529	55	22	perceived	perceive	VERB
fsr-3529	55	23	life	life	NOUN
fsr-3529	55	24	expectancy	expectancy	NOUN
fsr-3529	55	25	variables	variable	VERB
fsr-3529	55	26	for	for	ADP
fsr-3529	55	27	each	each	PRON
fsr-3529	55	28	of	of	ADP
fsr-3529	55	29	the	the	DET
fsr-3529	55	30	available	available	ADJ
fsr-3529	55	31	hrs	hrs	NOUN
fsr-3529	55	32	survey	survey	NOUN
fsr-3529	55	33	waves	wave	NOUN
fsr-3529	55	34	.	.	PUNCT
fsr-3529	56	1	the	the	DET
fsr-3529	56	2	underlining	underlining	ADJ
fsr-3529	56	3	principle	principle	NOUN
fsr-3529	56	4	for	for	ADP
fsr-3529	56	5	constructing	construct	VERB
fsr-3529	56	6	such	such	ADJ
fsr-3529	56	7	variables	variable	NOUN
fsr-3529	56	8	is	be	AUX
fsr-3529	56	9	described	describe	VERB
fsr-3529	56	10	as	as	SCONJ
fsr-3529	56	11	follows	follow	VERB
fsr-3529	56	12	:	:	PUNCT
fsr-3529	56	13	an	an	DET
fsr-3529	56	14	individual	individual	NOUN
fsr-3529	56	15	’s	’s	PART
fsr-3529	56	16	selfperceived	selfperceive	VERB
fsr-3529	56	17	life	life	NOUN
fsr-3529	56	18	expectancy	expectancy	NOUN
fsr-3529	56	19	is	be	AUX
fsr-3529	56	20	equal	equal	ADJ
fsr-3529	56	21	to	to	ADP
fsr-3529	56	22	her	she	PRON
fsr-3529	56	23	/	/	SYM
fsr-3529	56	24	his	his	PRON
fsr-3529	56	25	estimated	estimate	VERB
fsr-3529	56	26	probability	probability	NOUN
fsr-3529	56	27	of	of	ADP
fsr-3529	56	28	living	live	VERB
fsr-3529	56	29	to	to	ADP
fsr-3529	56	30	a	a	DET
fsr-3529	56	31	target	target	NOUN
fsr-3529	56	32	age	age	NOUN
fsr-3529	56	33	multiplied	multiply	VERB
fsr-3529	56	34	by	by	ADP
fsr-3529	56	35	the	the	DET
fsr-3529	56	36	difference	difference	NOUN
fsr-3529	56	37	between	between	ADP
fsr-3529	56	38	the	the	DET
fsr-3529	56	39	target	target	NOUN
fsr-3529	56	40	age	age	NOUN
fsr-3529	56	41	and	and	CCONJ
fsr-3529	56	42	this	this	DET
fsr-3529	56	43	individual	individual	NOUN
fsr-3529	56	44	’s	’s	PART
fsr-3529	56	45	current	current	ADJ
fsr-3529	56	46	age	age	NOUN
fsr-3529	56	47	.	.	PUNCT
fsr-3529	57	1	under	under	ADP
fsr-3529	57	2	this	this	DET
fsr-3529	57	3	principle	principle	NOUN
fsr-3529	57	4	,	,	PUNCT
fsr-3529	57	5	the	the	DET
fsr-3529	57	6	respondents	respondent	NOUN
fsr-3529	57	7	’	’	PART
fsr-3529	57	8	self	self	NOUN
fsr-3529	57	9	-	-	PUNCT
fsr-3529	57	10	perceived	perceive	VERB
fsr-3529	57	11	life	life	NOUN
fsr-3529	57	12	expectancy	expectancy	NOUN
fsr-3529	57	13	variables	variable	NOUN
fsr-3529	57	14	are	be	AUX
fsr-3529	57	15	constructed	construct	VERB
fsr-3529	57	16	using	use	VERB
fsr-3529	57	17	the	the	DET
fsr-3529	57	18	formula	formula	NOUN
fsr-3529	57	19	below	below	ADV
fsr-3529	57	20	(	(	PUNCT
fsr-3529	57	21	the	the	DET
fsr-3529	57	22	formula	formula	NOUN
fsr-3529	57	23	uses	use	VERB
fsr-3529	57	24	the	the	DET
fsr-3529	57	25	2018	2018	NUM
fsr-3529	57	26	-	-	PUNCT
fsr-3529	57	27	year	year	NOUN
fsr-3529	57	28	wave	wave	NOUN
fsr-3529	57	29	as	as	ADP
fsr-3529	57	30	an	an	DET
fsr-3529	57	31	example	example	NOUN
fsr-3529	57	32	;	;	PUNCT
fsr-3529	57	33	life	life	NOUN
fsr-3529	57	34	expectancy	expectancy	NOUN
fsr-3529	57	35	variables	variable	NOUN
fsr-3529	57	36	are	be	AUX
fsr-3529	57	37	generated	generate	VERB
fsr-3529	57	38	similarly	similarly	ADV
fsr-3529	57	39	for	for	ADP
fsr-3529	57	40	all	all	DET
fsr-3529	57	41	the	the	DET
fsr-3529	57	42	available	available	ADJ
fsr-3529	57	43	waves	wave	NOUN
fsr-3529	57	44	):	):	PUNCT
fsr-3529	57	45	yearstolive2018	yearstolive2018	NOUN
fsr-3529	57	46	=	=	SYM
fsr-3529	57	47	r14liv10ð	r14liv10ð	PROPN
fsr-3529	57	48	þ=100	þ=100	PROPN
fsr-3529	57	49	#	#	NOUN
fsr-3529	57	50	r14liv10a$	r14liv10a$	PROPN
fsr-3529	57	51	age2018ð	age2018ð	PROPN
fsr-3529	57	52	þ	þ	PROPN
fsr-3529	57	53	in	in	ADP
fsr-3529	57	54	this	this	DET
fsr-3529	57	55	formula	formula	NOUN
fsr-3529	57	56	,	,	PUNCT
fsr-3529	57	57	the	the	DET
fsr-3529	57	58	variable	variable	ADJ
fsr-3529	57	59	“	"	PUNCT
fsr-3529	57	60	yearstolive(wave	yearstolive(wave	PROPN
fsr-3529	57	61	)	)	PUNCT
fsr-3529	57	62	”	"	PUNCT
fsr-3529	57	63	represents	represent	VERB
fsr-3529	57	64	the	the	DET
fsr-3529	57	65	respondent	respondent	NOUN
fsr-3529	57	66	’s	’s	PART
fsr-3529	57	67	self	self	NOUN
fsr-3529	57	68	-	-	PUNCT
fsr-3529	57	69	perceived	perceive	VERB
fsr-3529	57	70	life	life	NOUN
fsr-3529	57	71	expectancy	expectancy	NOUN
fsr-3529	57	72	at	at	ADP
fsr-3529	57	73	the	the	DET
fsr-3529	57	74	point	point	NOUN
fsr-3529	57	75	of	of	ADP
fsr-3529	57	76	the	the	DET
fsr-3529	57	77	survey	survey	NOUN
fsr-3529	57	78	.	.	PUNCT
fsr-3529	58	1	the	the	DET
fsr-3529	58	2	variables	variable	NOUN
fsr-3529	58	3	r(wave)liv10	r(wave)liv10	PROPN
fsr-3529	58	4	and	and	CCONJ
fsr-3529	58	5	r(wave	r(wave	VERB
fsr-3529	58	6	)	)	PUNCT
fsr-3529	58	7	liv10a	liv10a	VERB
fsr-3529	58	8	are	be	AUX
fsr-3529	58	9	selected	select	VERB
fsr-3529	58	10	from	from	ADP
fsr-3529	58	11	the	the	DET
fsr-3529	58	12	rand	rand	NOUN
fsr-3529	58	13	hrs	hrs	NOUN
fsr-3529	58	14	data	datum	NOUN
fsr-3529	58	15	.	.	PUNCT
fsr-3529	59	1	among	among	ADP
fsr-3529	59	2	them	they	PRON
fsr-3529	59	3	,	,	PUNCT
fsr-3529	59	4	r(wave)liv10	r(wave)liv10	PROPN
fsr-3529	59	5	is	be	AUX
fsr-3529	59	6	the	the	DET
fsr-3529	59	7	selfreported	selfreporte	VERB
fsr-3529	59	8	probability	probability	NOUN
fsr-3529	59	9	of	of	ADP
fsr-3529	59	10	living	live	VERB
fsr-3529	59	11	to	to	ADP
fsr-3529	59	12	a	a	DET
fsr-3529	59	13	certain	certain	ADJ
fsr-3529	59	14	target	target	NOUN
fsr-3529	59	15	age	age	NOUN
fsr-3529	59	16	,	,	PUNCT
fsr-3529	59	17	selected	select	VERB
fsr-3529	59	18	according	accord	VERB
fsr-3529	59	19	to	to	ADP
fsr-3529	59	20	the	the	DET
fsr-3529	59	21	hrs	hrs	NOUN
fsr-3529	59	22	guidelines	guideline	NOUN
fsr-3529	59	23	,	,	PUNCT
fsr-3529	59	24	where	where	SCONJ
fsr-3529	59	25	0	0	NUM
fsr-3529	59	26	means	mean	VERB
fsr-3529	59	27	“	"	PUNCT
fsr-3529	59	28	absolutely	absolutely	ADV
fsr-3529	59	29	no	no	DET
fsr-3529	59	30	chance	chance	NOUN
fsr-3529	59	31	,	,	PUNCT
fsr-3529	59	32	”	"	PUNCT
fsr-3529	59	33	and	and	CCONJ
fsr-3529	59	34	100	100	NUM
fsr-3529	59	35	means	mean	VERB
fsr-3529	59	36	“	"	PUNCT
fsr-3529	59	37	absolutely	absolutely	ADV
fsr-3529	59	38	certain	certain	ADJ
fsr-3529	59	39	.	.	PUNCT
fsr-3529	59	40	”	"	PUNCT
fsr-3529	60	1	for	for	ADP
fsr-3529	60	2	respondents	respondent	NOUN
fsr-3529	60	3	whose	whose	DET
fsr-3529	60	4	age	age	NOUN
fsr-3529	60	5	is	be	AUX
fsr-3529	60	6	less	less	ADJ
fsr-3529	60	7	than	than	ADP
fsr-3529	60	8	65	65	NUM
fsr-3529	60	9	at	at	ADP
fsr-3529	60	10	the	the	DET
fsr-3529	60	11	point	point	NOUN
fsr-3529	60	12	of	of	ADP
fsr-3529	60	13	the	the	DET
fsr-3529	60	14	survey	survey	NOUN
fsr-3529	60	15	,	,	PUNCT
fsr-3529	60	16	this	this	DET
fsr-3529	60	17	target	target	NOUN
fsr-3529	60	18	age	age	NOUN
fsr-3529	60	19	is	be	AUX
fsr-3529	60	20	set	set	VERB
fsr-3529	60	21	to	to	PART
fsr-3529	60	22	be	be	AUX
fsr-3529	60	23	85	85	NUM
fsr-3529	60	24	.	.	PUNCT
fsr-3529	61	1	for	for	ADP
fsr-3529	61	2	respondents	respondent	NOUN
fsr-3529	61	3	whose	whose	DET
fsr-3529	61	4	age	age	NOUN
fsr-3529	61	5	is	be	AUX
fsr-3529	61	6	between	between	ADP
fsr-3529	61	7	65	65	NUM
fsr-3529	61	8	and	and	CCONJ
fsr-3529	61	9	69	69	NUM
fsr-3529	61	10	,	,	PUNCT
fsr-3529	61	11	this	this	DET
fsr-3529	61	12	target	target	NOUN
fsr-3529	61	13	is	be	AUX
fsr-3529	61	14	set	set	VERB
fsr-3529	61	15	to	to	PART
fsr-3529	61	16	be	be	AUX
fsr-3529	61	17	80	80	NUM
fsr-3529	61	18	.	.	PUNCT
fsr-3529	62	1	for	for	ADP
fsr-3529	62	2	those	those	PRON
fsr-3529	62	3	between	between	ADP
fsr-3529	62	4	70	70	NUM
fsr-3529	62	5	and	and	CCONJ
fsr-3529	62	6	74	74	NUM
fsr-3529	62	7	years	year	NOUN
fsr-3529	62	8	old	old	ADJ
fsr-3529	62	9	,	,	PUNCT
fsr-3529	62	10	this	this	DET
fsr-3529	62	11	target	target	NOUN
fsr-3529	62	12	age	age	NOUN
fsr-3529	62	13	is	be	AUX
fsr-3529	62	14	set	set	VERB
fsr-3529	62	15	to	to	PART
fsr-3529	62	16	be	be	AUX
fsr-3529	62	17	85	85	NUM
fsr-3529	62	18	.	.	PUNCT
fsr-3529	63	1	for	for	ADP
fsr-3529	63	2	those	those	PRON
fsr-3529	63	3	between	between	ADP
fsr-3529	63	4	75	75	NUM
fsr-3529	63	5	and	and	CCONJ
fsr-3529	63	6	79	79	NUM
fsr-3529	63	7	,	,	PUNCT
fsr-3529	63	8	the	the	DET
fsr-3529	63	9	z.	z.	PROPN
fsr-3529	63	10	liu	liu	PROPN
fsr-3529	63	11	et	et	PROPN
fsr-3529	63	12	al	al	PROPN
fsr-3529	63	13	.	.	PUNCT
fsr-3529	63	14	/	/	SYM
fsr-3529	63	15	financial	financial	ADJ
fsr-3529	63	16	services	service	NOUN
fsr-3529	63	17	review	review	VERB
fsr-3529	63	18	31	31	NUM
fsr-3529	63	19	(	(	PUNCT
fsr-3529	63	20	2023	2023	NUM
fsr-3529	63	21	)	)	PUNCT
fsr-3529	63	22	107–120	107–120	NUM
fsr-3529	63	23	109	109	NUM
fsr-3529	63	24	target	target	NOUN
fsr-3529	63	25	is	be	AUX
fsr-3529	63	26	90	90	NUM
fsr-3529	63	27	.	.	PUNCT
fsr-3529	64	1	for	for	ADP
fsr-3529	64	2	respondents	respondent	NOUN
fsr-3529	64	3	in	in	ADP
fsr-3529	64	4	the	the	DET
fsr-3529	64	5	80	80	NUM
fsr-3529	64	6	-	-	SYM
fsr-3529	64	7	84	84	NUM
fsr-3529	64	8	age	age	NOUN
fsr-3529	64	9	range	range	NOUN
fsr-3529	64	10	,	,	PUNCT
fsr-3529	64	11	the	the	DET
fsr-3529	64	12	target	target	NOUN
fsr-3529	64	13	age	age	NOUN
fsr-3529	64	14	is	be	AUX
fsr-3529	64	15	95	95	NUM
fsr-3529	64	16	.	.	PUNCT
fsr-3529	65	1	finally	finally	ADV
fsr-3529	65	2	,	,	PUNCT
fsr-3529	65	3	for	for	ADP
fsr-3529	65	4	respondents	respondent	NOUN
fsr-3529	65	5	whose	whose	DET
fsr-3529	65	6	age	age	NOUN
fsr-3529	65	7	is	be	AUX
fsr-3529	65	8	between	between	ADP
fsr-3529	65	9	85	85	NUM
fsr-3529	65	10	and	and	CCONJ
fsr-3529	65	11	89	89	NUM
fsr-3529	65	12	,	,	PUNCT
fsr-3529	65	13	the	the	DET
fsr-3529	65	14	target	target	NOUN
fsr-3529	65	15	age	age	NOUN
fsr-3529	65	16	is	be	AUX
fsr-3529	65	17	set	set	VERB
fsr-3529	65	18	to	to	PART
fsr-3529	65	19	be	be	AUX
fsr-3529	65	20	100	100	NUM
fsr-3529	65	21	.	.	PUNCT
fsr-3529	66	1	the	the	DET
fsr-3529	66	2	variable	variable	ADJ
fsr-3529	66	3	r	r	NOUN
fsr-3529	66	4	(	(	PUNCT
fsr-3529	66	5	wave)liv10a	wave)liv10a	PROPN
fsr-3529	66	6	gives	give	VERB
fsr-3529	66	7	the	the	DET
fsr-3529	66	8	specific	specific	ADJ
fsr-3529	66	9	age	age	NOUN
fsr-3529	66	10	used	use	VERB
fsr-3529	66	11	in	in	ADP
fsr-3529	66	12	the	the	DET
fsr-3529	66	13	questionnaire	questionnaire	NOUN
fsr-3529	66	14	for	for	ADP
fsr-3529	66	15	each	each	DET
fsr-3529	66	16	respondent	respondent	NOUN
fsr-3529	66	17	during	during	ADP
fsr-3529	66	18	the	the	DET
fsr-3529	66	19	survey	survey	NOUN
fsr-3529	66	20	,	,	PUNCT
fsr-3529	66	21	which	which	PRON
fsr-3529	66	22	ranges	range	VERB
fsr-3529	66	23	from	from	ADP
fsr-3529	66	24	80	80	NUM
fsr-3529	66	25	to	to	PART
fsr-3529	66	26	100	100	NUM
fsr-3529	66	27	.	.	PUNCT
fsr-3529	67	1	the	the	DET
fsr-3529	67	2	summary	summary	NOUN
fsr-3529	67	3	statistics	statistic	NOUN
fsr-3529	67	4	for	for	ADP
fsr-3529	67	5	the	the	DET
fsr-3529	67	6	constructed	construct	VERB
fsr-3529	67	7	self	self	NOUN
fsr-3529	67	8	-	-	PUNCT
fsr-3529	67	9	perceived	perceive	VERB
fsr-3529	67	10	life	life	NOUN
fsr-3529	67	11	expectancy	expectancy	NOUN
fsr-3529	67	12	variables	variable	NOUN
fsr-3529	67	13	(	(	PUNCT
fsr-3529	67	14	yearstolive(wave	yearstolive(wave	PROPN
fsr-3529	67	15	)	)	PUNCT
fsr-3529	67	16	)	)	PUNCT
fsr-3529	67	17	from	from	ADP
fsr-3529	67	18	the	the	DET
fsr-3529	67	19	year	year	NOUN
fsr-3529	67	20	2000	2000	NUM
fsr-3529	67	21	to	to	ADP
fsr-3529	67	22	2018	2018	NUM
fsr-3529	67	23	are	be	AUX
fsr-3529	67	24	reported	report	VERB
fsr-3529	67	25	in	in	ADP
fsr-3529	67	26	table	table	NOUN
fsr-3529	67	27	1	1	NUM
fsr-3529	67	28	.	.	PUNCT
fsr-3529	68	1	note	note	VERB
fsr-3529	68	2	that	that	SCONJ
fsr-3529	68	3	the	the	DET
fsr-3529	68	4	rand	rand	NOUN
fsr-3529	68	5	hrs	hrs	NOUN
fsr-3529	68	6	dataset	dataset	NOUN
fsr-3529	68	7	does	do	AUX
fsr-3529	68	8	not	not	PART
fsr-3529	68	9	contain	contain	VERB
fsr-3529	68	10	the	the	DET
fsr-3529	68	11	r(wave)liv10	r(wave)liv10	PROPN
fsr-3529	68	12	and	and	CCONJ
fsr-3529	68	13	r(wave)liv10a	r(wave)liv10a	NOUN
fsr-3529	68	14	variables	variable	NOUN
fsr-3529	68	15	before	before	ADP
fsr-3529	68	16	the	the	DET
fsr-3529	68	17	2000	2000	NUM
fsr-3529	68	18	wave	wave	NOUN
fsr-3529	68	19	.	.	PUNCT
fsr-3529	69	1	therefore	therefore	ADV
fsr-3529	69	2	,	,	PUNCT
fsr-3529	69	3	this	this	DET
fsr-3529	69	4	summary	summary	NOUN
fsr-3529	69	5	statistics	statistic	NOUN
fsr-3529	69	6	table	table	NOUN
fsr-3529	69	7	uses	use	VERB
fsr-3529	69	8	the	the	DET
fsr-3529	69	9	2000	2000	NUM
fsr-3529	69	10	-	-	SYM
fsr-3529	69	11	2018	2018	NUM
fsr-3529	69	12	wave	wave	NOUN
fsr-3529	69	13	range	range	NOUN
fsr-3529	69	14	to	to	PART
fsr-3529	69	15	demonstrate	demonstrate	VERB
fsr-3529	69	16	the	the	DET
fsr-3529	69	17	respondents	respondent	NOUN
fsr-3529	69	18	’	’	PART
fsr-3529	69	19	self	self	NOUN
fsr-3529	69	20	-	-	PUNCT
fsr-3529	69	21	perceived	perceive	VERB
fsr-3529	69	22	life	life	NOUN
fsr-3529	69	23	expectancies	expectancy	NOUN
fsr-3529	69	24	.	.	PUNCT
fsr-3529	70	1	the	the	DET
fsr-3529	70	2	following	follow	VERB
fsr-3529	70	3	figure	figure	NOUN
fsr-3529	70	4	is	be	AUX
fsr-3529	70	5	plotted	plot	VERB
fsr-3529	70	6	using	use	VERB
fsr-3529	70	7	the	the	DET
fsr-3529	70	8	2018	2018	NUM
fsr-3529	70	9	wave	wave	NOUN
fsr-3529	70	10	data	datum	NOUN
fsr-3529	70	11	with	with	ADP
fsr-3529	70	12	individual	individual	ADJ
fsr-3529	70	13	-	-	PUNCT
fsr-3529	70	14	level	level	NOUN
fsr-3529	70	15	weight	weight	NOUN
fsr-3529	70	16	applied	apply	VERB
fsr-3529	70	17	.	.	PUNCT
fsr-3529	71	1	this	this	DET
fsr-3529	71	2	graph	graph	NOUN
fsr-3529	71	3	indicates	indicate	VERB
fsr-3529	71	4	that	that	SCONJ
fsr-3529	71	5	the	the	DET
fsr-3529	71	6	constructed	construct	VERB
fsr-3529	71	7	life	life	NOUN
fsr-3529	71	8	expectancy	expectancy	NOUN
fsr-3529	71	9	variable	variable	NOUN
fsr-3529	71	10	has	have	VERB
fsr-3529	71	11	an	an	DET
fsr-3529	71	12	inverse	inverse	NOUN
fsr-3529	71	13	relationship	relationship	NOUN
fsr-3529	71	14	with	with	ADP
fsr-3529	71	15	the	the	DET
fsr-3529	71	16	respondent	respondent	NOUN
fsr-3529	71	17	’s	’s	PART
fsr-3529	71	18	age	age	NOUN
fsr-3529	71	19	at	at	ADP
fsr-3529	71	20	the	the	DET
fsr-3529	71	21	survey	survey	NOUN
fsr-3529	71	22	.	.	PUNCT
fsr-3529	72	1	this	this	DET
fsr-3529	72	2	relationship	relationship	NOUN
fsr-3529	72	3	is	be	AUX
fsr-3529	72	4	verified	verify	VERB
fsr-3529	72	5	with	with	ADP
fsr-3529	72	6	ols	ol	NOUN
fsr-3529	72	7	regression	regression	NOUN
fsr-3529	72	8	:	:	PUNCT
fsr-3529	72	9	with	with	ADP
fsr-3529	72	10	high	high	ADJ
fsr-3529	72	11	levels	level	NOUN
fsr-3529	72	12	of	of	ADP
fsr-3529	72	13	significance	significance	NOUN
fsr-3529	72	14	,	,	PUNCT
fsr-3529	72	15	a	a	DET
fsr-3529	72	16	one	one	NUM
fsr-3529	72	17	-	-	PUNCT
fsr-3529	72	18	year	year	NOUN
fsr-3529	72	19	increase	increase	NOUN
fsr-3529	72	20	in	in	ADP
fsr-3529	72	21	respondents	respondent	NOUN
fsr-3529	72	22	’	'	PUNCT
fsr-3529	72	23	age	age	NOUN
fsr-3529	72	24	will	will	AUX
fsr-3529	72	25	,	,	PUNCT
fsr-3529	72	26	on	on	ADP
fsr-3529	72	27	average	average	ADJ
fsr-3529	72	28	,	,	PUNCT
fsr-3529	72	29	decrease	decrease	VERB
fsr-3529	72	30	their	their	PRON
fsr-3529	72	31	self	self	NOUN
fsr-3529	72	32	-	-	PUNCT
fsr-3529	72	33	perceived	perceive	VERB
fsr-3529	72	34	life	life	NOUN
fsr-3529	72	35	expectancy	expectancy	NOUN
fsr-3529	72	36	by	by	ADP
fsr-3529	72	37	0.295	0.295	NUM
fsr-3529	72	38	years	year	NOUN
fsr-3529	72	39	.	.	PUNCT
fsr-3529	73	1	the	the	DET
fsr-3529	73	2	control	control	NOUN
fsr-3529	73	3	variables	variable	NOUN
fsr-3529	73	4	of	of	ADP
fsr-3529	73	5	this	this	DET
fsr-3529	73	6	weighted	weight	VERB
fsr-3529	73	7	ols	ol	NOUN
fsr-3529	73	8	regression	regression	NOUN
fsr-3529	73	9	include	include	VERB
fsr-3529	73	10	marital	marital	ADJ
fsr-3529	73	11	status	status	NOUN
fsr-3529	73	12	,	,	PUNCT
fsr-3529	73	13	presence	presence	NOUN
fsr-3529	73	14	of	of	ADP
fsr-3529	73	15	children	child	NOUN
fsr-3529	73	16	,	,	PUNCT
fsr-3529	73	17	years	year	NOUN
fsr-3529	73	18	of	of	ADP
fsr-3529	73	19	education	education	NOUN
fsr-3529	73	20	,	,	PUNCT
fsr-3529	73	21	wealth	wealth	NOUN
fsr-3529	73	22	level	level	NOUN
fsr-3529	73	23	,	,	PUNCT
fsr-3529	73	24	retirement	retirement	NOUN
fsr-3529	73	25	status	status	NOUN
fsr-3529	73	26	,	,	PUNCT
fsr-3529	73	27	and	and	CCONJ
fsr-3529	73	28	various	various	ADJ
fsr-3529	73	29	health	health	NOUN
fsr-3529	73	30	indicators	indicator	NOUN
fsr-3529	73	31	.	.	PUNCT
fsr-3529	74	1	next	next	ADV
fsr-3529	74	2	,	,	PUNCT
fsr-3529	74	3	this	this	DET
fsr-3529	74	4	study	study	NOUN
fsr-3529	74	5	explores	explore	VERB
fsr-3529	74	6	the	the	DET
fsr-3529	74	7	relationship	relationship	NOUN
fsr-3529	74	8	between	between	ADP
fsr-3529	74	9	the	the	DET
fsr-3529	74	10	financial	financial	ADJ
fsr-3529	74	11	planning	planning	NOUN
fsr-3529	74	12	horizon	horizon	NOUN
fsr-3529	74	13	variable	variable	NOUN
fsr-3529	74	14	and	and	CCONJ
fsr-3529	74	15	the	the	DET
fsr-3529	74	16	constructed	construct	VERB
fsr-3529	74	17	life	life	NOUN
fsr-3529	74	18	expectancy	expectancy	NOUN
fsr-3529	74	19	variable	variable	NOUN
fsr-3529	74	20	.	.	PUNCT
fsr-3529	75	1	for	for	ADP
fsr-3529	75	2	the	the	DET
fsr-3529	75	3	2018	2018	NUM
fsr-3529	75	4	wave	wave	NOUN
fsr-3529	75	5	,	,	PUNCT
fsr-3529	75	6	two	two	NUM
fsr-3529	75	7	types	type	NOUN
fsr-3529	75	8	of	of	ADP
fsr-3529	75	9	cross	cross	ADJ
fsr-3529	75	10	-	-	ADJ
fsr-3529	75	11	sectional	sectional	ADJ
fsr-3529	75	12	regressions	regression	NOUN
fsr-3529	75	13	(	(	PUNCT
fsr-3529	75	14	ols	ol	NOUN
fsr-3529	75	15	and	and	CCONJ
fsr-3529	75	16	ordered	order	VERB
fsr-3529	75	17	probit	probit	NOUN
fsr-3529	75	18	)	)	PUNCT
fsr-3529	75	19	are	be	AUX
fsr-3529	75	20	conducted	conduct	VERB
fsr-3529	75	21	.	.	PUNCT
fsr-3529	76	1	the	the	DET
fsr-3529	76	2	summary	summary	NOUN
fsr-3529	76	3	statistics	statistic	NOUN
fsr-3529	76	4	for	for	ADP
fsr-3529	76	5	the	the	DET
fsr-3529	76	6	crosssectional	crosssectional	ADJ
fsr-3529	76	7	regression	regression	NOUN
fsr-3529	76	8	variables	variable	NOUN
fsr-3529	76	9	are	be	AUX
fsr-3529	76	10	reported	report	VERB
fsr-3529	76	11	in	in	ADP
fsr-3529	76	12	the	the	DET
fsr-3529	76	13	following	follow	VERB
fsr-3529	76	14	table	table	NOUN
fsr-3529	76	15	:	:	PUNCT
fsr-3529	76	16	3	3	X
fsr-3529	76	17	.	.	PUNCT
fsr-3529	76	18	model	model	PROPN
fsr-3529	76	19	becker	becker	PROPN
fsr-3529	76	20	and	and	CCONJ
fsr-3529	76	21	mulligan	mulligan	PROPN
fsr-3529	76	22	(	(	PUNCT
fsr-3529	76	23	1997	1997	NUM
fsr-3529	76	24	)	)	PUNCT
fsr-3529	76	25	provide	provide	VERB
fsr-3529	76	26	both	both	CCONJ
fsr-3529	76	27	theoretical	theoretical	ADJ
fsr-3529	76	28	and	and	CCONJ
fsr-3529	76	29	empirical	empirical	ADJ
fsr-3529	76	30	evidence	evidence	NOUN
fsr-3529	76	31	to	to	PART
fsr-3529	76	32	conclude	conclude	VERB
fsr-3529	76	33	that	that	DET
fsr-3529	76	34	time	time	NOUN
fsr-3529	76	35	preference	preference	NOUN
fsr-3529	76	36	varies	vary	VERB
fsr-3529	76	37	across	across	ADP
fsr-3529	76	38	individuals	individual	NOUN
fsr-3529	76	39	and	and	CCONJ
fsr-3529	76	40	wealth	wealth	NOUN
fsr-3529	76	41	causes	cause	VERB
fsr-3529	76	42	patience	patience	NOUN
fsr-3529	76	43	.	.	PUNCT
fsr-3529	77	1	trostel	trostel	NOUN
fsr-3529	77	2	and	and	CCONJ
fsr-3529	77	3	taylor	taylor	PROPN
fsr-3529	77	4	(	(	PUNCT
fsr-3529	77	5	2001	2001	NUM
fsr-3529	77	6	)	)	PUNCT
fsr-3529	77	7	argue	argue	VERB
fsr-3529	77	8	that	that	SCONJ
fsr-3529	77	9	future	future	ADJ
fsr-3529	77	10	discounting	discounting	NOUN
fsr-3529	77	11	occurs	occur	VERB
fsr-3529	77	12	because	because	SCONJ
fsr-3529	77	13	the	the	DET
fsr-3529	77	14	expected	expect	VERB
fsr-3529	77	15	marginal	marginal	ADJ
fsr-3529	77	16	utility	utility	NOUN
fsr-3529	77	17	of	of	ADP
fsr-3529	77	18	consumption	consumption	NOUN
fsr-3529	77	19	is	be	AUX
fsr-3529	77	20	declining	decline	VERB
fsr-3529	77	21	.	.	PUNCT
fsr-3529	78	1	in	in	ADP
fsr-3529	78	2	other	other	ADJ
fsr-3529	78	3	words	word	NOUN
fsr-3529	78	4	,	,	PUNCT
fsr-3529	78	5	an	an	DET
fsr-3529	78	6	individual	individual	NOUN
fsr-3529	78	7	’s	’s	PART
fsr-3529	78	8	ability	ability	NOUN
fsr-3529	78	9	to	to	PART
fsr-3529	78	10	enjoy	enjoy	VERB
fsr-3529	78	11	future	future	ADJ
fsr-3529	78	12	consumption	consumption	NOUN
fsr-3529	78	13	is	be	AUX
fsr-3529	78	14	expected	expect	VERB
fsr-3529	78	15	to	to	PART
fsr-3529	78	16	be	be	AUX
fsr-3529	78	17	lower	low	ADJ
fsr-3529	78	18	.	.	PUNCT
fsr-3529	79	1	if	if	SCONJ
fsr-3529	79	2	the	the	DET
fsr-3529	79	3	financial	financial	ADJ
fsr-3529	79	4	planning	planning	NOUN
fsr-3529	79	5	horizon	horizon	NOUN
fsr-3529	79	6	measures	measure	VERB
fsr-3529	79	7	people	people	NOUN
fsr-3529	79	8	’s	’s	PART
fsr-3529	79	9	time	time	NOUN
fsr-3529	79	10	discounting	discount	VERB
fsr-3529	79	11	preference	preference	NOUN
fsr-3529	79	12	,	,	PUNCT
fsr-3529	79	13	it	it	PRON
fsr-3529	79	14	should	should	AUX
fsr-3529	79	15	be	be	AUX
fsr-3529	79	16	strongly	strongly	ADV
fsr-3529	79	17	correlated	correlate	VERB
fsr-3529	79	18	with	with	ADP
fsr-3529	79	19	rational	rational	ADJ
fsr-3529	79	20	life	life	NOUN
fsr-3529	79	21	expectancy	expectancy	NOUN
fsr-3529	79	22	changes	change	VERB
fsr-3529	79	23	as	as	ADV
fsr-3529	79	24	well	well	ADV
fsr-3529	79	25	as	as	ADP
fsr-3529	79	26	table	table	NOUN
fsr-3529	79	27	1	1	NUM
fsr-3529	79	28	summary	summary	NOUN
fsr-3529	79	29	statistics	statistic	NOUN
fsr-3529	79	30	for	for	ADP
fsr-3529	79	31	the	the	DET
fsr-3529	79	32	imputed	impute	VERB
fsr-3529	79	33	life	life	NOUN
fsr-3529	79	34	expectancy	expectancy	NOUN
fsr-3529	79	35	variables	variable	VERB
fsr-3529	79	36	variables	variable	VERB
fsr-3529	79	37	number	number	NOUN
fsr-3529	79	38	of	of	ADP
fsr-3529	79	39	observations	observation	NOUN
fsr-3529	79	40	mean	mean	VERB
fsr-3529	79	41	(	(	PUNCT
fsr-3529	79	42	weighted	weight	VERB
fsr-3529	79	43	)	)	PUNCT
fsr-3529	79	44	standard	standard	ADJ
fsr-3529	79	45	deviation	deviation	NOUN
fsr-3529	79	46	(	(	PUNCT
fsr-3529	79	47	weighted	weight	VERB
fsr-3529	79	48	)	)	PUNCT
fsr-3529	79	49	yearstolive2000	yearstolive2000	PROPN
fsr-3529	79	50	15,554	15,554	NUM
fsr-3529	79	51	8.934495	8.934495	NUM
fsr-3529	79	52	0.0989592	0.0989592	NUM
fsr-3529	79	53	yearstolive2002	yearstolive2002	NOUN
fsr-3529	79	54	14,420	14,420	NUM
fsr-3529	79	55	8.322585	8.322585	NUM
fsr-3529	79	56	0.0827116	0.0827116	NUM
fsr-3529	79	57	yearstolive2004	yearstolive2004	PROPN
fsr-3529	79	58	16,780	16,780	NUM
fsr-3529	79	59	9.37001	9.37001	NUM
fsr-3529	79	60	0.0876633	0.0876633	NUM
fsr-3529	79	61	yearstolive2006	yearstolive2006	X
fsr-3529	79	62	15,467	15,467	NUM
fsr-3529	79	63	8.93313	8.93313	NUM
fsr-3529	79	64	0.099443	0.099443	NUM
fsr-3529	79	65	yearstolive2008	yearstolive2008	NOUN
fsr-3529	79	66	14,450	14,450	NUM
fsr-3529	79	67	9.078261	9.078261	NUM
fsr-3529	79	68	0.0825122	0.0825122	NUM
fsr-3529	79	69	yearstolive2010	yearstolive2010	PROPN
fsr-3529	79	70	18,911	18,911	NUM
fsr-3529	79	71	9.804211	9.804211	NUM
fsr-3529	79	72	0.1208808	0.1208808	NUM
fsr-3529	79	73	yearstolive2012	yearstolive2012	NOUN
fsr-3529	79	74	17,925	17,925	NUM
fsr-3529	79	75	9.176823	9.176823	NUM
fsr-3529	79	76	0.1041344	0.1041344	NUM
fsr-3529	79	77	yearstolive2014	yearstolive2014	PROPN
fsr-3529	79	78	16,452	16,452	NUM
fsr-3529	79	79	8.87597	8.87597	NUM
fsr-3529	79	80	0.1146203	0.1146203	NUM
fsr-3529	79	81	yearstolive2016	yearstolive2016	PROPN
fsr-3529	79	82	12,429	12,429	NUM
fsr-3529	79	83	9.110994	9.110994	NUM
fsr-3529	79	84	0.1268747	0.1268747	NUM
fsr-3529	79	85	yearstolive2018	yearstolive2018	NOUN
fsr-3529	79	86	12,500	12,500	NUM
fsr-3529	79	87	8.509271	8.509271	NUM
fsr-3529	79	88	0.1353772	0.1353772	NUM
fsr-3529	79	89	note	note	NOUN
fsr-3529	79	90	.	.	PUNCT
fsr-3529	80	1	respondent	respondent	NOUN
fsr-3529	80	2	-	-	PUNCT
fsr-3529	80	3	level	level	NOUN
fsr-3529	80	4	weights	weight	NOUN
fsr-3529	80	5	are	be	AUX
fsr-3529	80	6	applied	apply	VERB
fsr-3529	80	7	to	to	ADP
fsr-3529	80	8	each	each	DET
fsr-3529	80	9	wave	wave	NOUN
fsr-3529	80	10	.	.	PUNCT
fsr-3529	81	1	110	110	NUM
fsr-3529	81	2	z.	z.	PROPN
fsr-3529	81	3	liu	liu	PROPN
fsr-3529	81	4	et	et	PROPN
fsr-3529	81	5	al	al	PROPN
fsr-3529	81	6	.	.	PUNCT
fsr-3529	81	7	/	/	SYM
fsr-3529	81	8	financial	financial	ADJ
fsr-3529	81	9	services	service	NOUN
fsr-3529	81	10	review	review	VERB
fsr-3529	81	11	31	31	NUM
fsr-3529	81	12	(	(	PUNCT
fsr-3529	81	13	2023	2023	NUM
fsr-3529	81	14	)	)	PUNCT
fsr-3529	81	15	107–120	107–120	NUM
fsr-3529	81	16	wealth	wealth	NOUN
fsr-3529	81	17	changes	change	NOUN
fsr-3529	81	18	.	.	PUNCT
fsr-3529	82	1	the	the	DET
fsr-3529	82	2	following	follow	VERB
fsr-3529	82	3	model	model	NOUN
fsr-3529	82	4	and	and	CCONJ
fsr-3529	82	5	the	the	DET
fsr-3529	82	6	empirical	empirical	ADJ
fsr-3529	82	7	analysis	analysis	NOUN
fsr-3529	82	8	presented	present	VERB
fsr-3529	82	9	in	in	ADP
fsr-3529	82	10	the	the	DET
fsr-3529	82	11	next	next	ADJ
fsr-3529	82	12	sections	section	NOUN
fsr-3529	82	13	of	of	ADP
fsr-3529	82	14	this	this	DET
fsr-3529	82	15	paper	paper	NOUN
fsr-3529	82	16	provide	provide	VERB
fsr-3529	82	17	both	both	CCONJ
fsr-3529	82	18	theoretical	theoretical	ADJ
fsr-3529	82	19	and	and	CCONJ
fsr-3529	82	20	empirical	empirical	ADJ
fsr-3529	82	21	evidence	evidence	NOUN
fsr-3529	82	22	for	for	ADP
fsr-3529	82	23	this	this	DET
fsr-3529	82	24	hypothesis	hypothesis	NOUN
fsr-3529	82	25	.	.	PUNCT
fsr-3529	83	1	in	in	ADP
fsr-3529	83	2	the	the	DET
fsr-3529	83	3	general	general	ADJ
fsr-3529	83	4	form	form	NOUN
fsr-3529	83	5	of	of	ADP
fsr-3529	83	6	becker	becker	NOUN
fsr-3529	83	7	’s	’s	PART
fsr-3529	83	8	model	model	NOUN
fsr-3529	83	9	of	of	ADP
fsr-3529	83	10	patience	patience	NOUN
fsr-3529	83	11	formation	formation	NOUN
fsr-3529	83	12	,	,	PUNCT
fsr-3529	83	13	a	a	DET
fsr-3529	83	14	consumer	consumer	NOUN
fsr-3529	83	15	is	be	AUX
fsr-3529	83	16	assumed	assume	VERB
fsr-3529	83	17	to	to	PART
fsr-3529	83	18	live	live	VERB
fsr-3529	83	19	a	a	DET
fsr-3529	83	20	finite	finite	ADJ
fsr-3529	83	21	number	number	NOUN
fsr-3529	83	22	of	of	ADP
fsr-3529	83	23	periods	period	NOUN
fsr-3529	83	24	.	.	PUNCT
fsr-3529	84	1	therefore	therefore	ADV
fsr-3529	84	2	,	,	PUNCT
fsr-3529	84	3	the	the	DET
fsr-3529	84	4	consumer	consumer	NOUN
fsr-3529	84	5	maximizes	maximize	VERB
fsr-3529	84	6	v	v	NOUN
fsr-3529	84	7	=	=	SYM
fsr-3529	84	8	o	o	NOUN
fsr-3529	84	9	t	t	PROPN
fsr-3529	84	10	i=0	i=0	PROPN
fsr-3529	84	11	b	b	PROPN
fsr-3529	84	12	sð	sð	ADP
fsr-3529	84	13	þi	þi	NOUN
fsr-3529	84	14	%	%	NOUN
fsr-3529	84	15	fi	fi	NOUN
fsr-3529	84	16	cið	cið	PROPN
fsr-3529	84	17	þ	þ	PROPN
fsr-3529	84	18	(	(	PUNCT
fsr-3529	84	19	1	1	NUM
fsr-3529	84	20	)	)	PUNCT
fsr-3529	84	21	where	where	SCONJ
fsr-3529	84	22	t	t	PROPN
fsr-3529	84	23	represents	represent	VERB
fsr-3529	84	24	the	the	DET
fsr-3529	84	25	length	length	NOUN
fsr-3529	84	26	of	of	ADP
fsr-3529	84	27	the	the	DET
fsr-3529	84	28	consumer	consumer	NOUN
fsr-3529	84	29	’s	’s	PART
fsr-3529	84	30	life	life	NOUN
fsr-3529	84	31	span	span	NOUN
fsr-3529	84	32	,	,	PUNCT
fsr-3529	84	33	ci	ci	PROPN
fsr-3529	84	34	’s	’s	PART
fsr-3529	84	35	are	be	AUX
fsr-3529	84	36	the	the	DET
fsr-3529	84	37	consumption	consumption	NOUN
fsr-3529	84	38	levels	level	NOUN
fsr-3529	84	39	at	at	ADP
fsr-3529	84	40	period	period	NOUN
fsr-3529	84	41	i	i	PRON
fsr-3529	84	42	,	,	PUNCT
fsr-3529	84	43	the	the	DET
fsr-3529	84	44	functions	function	NOUN
fsr-3529	84	45	fi	fi	NOUN
fsr-3529	84	46	(	(	PUNCT
fsr-3529	84	47	·	·	PUNCT
fsr-3529	84	48	)	)	PUNCT
fsr-3529	84	49	map	map	VERB
fsr-3529	84	50	the	the	DET
fsr-3529	84	51	consumptions	consumption	NOUN
fsr-3529	84	52	at	at	ADP
fsr-3529	84	53	period	period	NOUN
fsr-3529	84	54	i	i	PRON
fsr-3529	84	55	into	into	ADP
fsr-3529	84	56	pleasures	pleasure	NOUN
fsr-3529	84	57	at	at	ADP
fsr-3529	84	58	that	that	DET
fsr-3529	84	59	period	period	NOUN
fsr-3529	84	60	,	,	PUNCT
fsr-3529	84	61	aka	aka	ADV
fsr-3529	84	62	utility	utility	NOUN
fsr-3529	84	63	function	function	NOUN
fsr-3529	84	64	.	.	PUNCT
fsr-3529	85	1	future	future	ADJ
fsr-3529	85	2	utilities	utility	NOUN
fsr-3529	85	3	are	be	AUX
fsr-3529	85	4	discounted	discount	VERB
fsr-3529	85	5	based	base	VERB
fsr-3529	85	6	on	on	ADP
fsr-3529	85	7	the	the	DET
fsr-3529	85	8	discount	discount	NOUN
fsr-3529	85	9	function	function	NOUN
fsr-3529	85	10	b	b	PROPN
fsr-3529	85	11	(	(	PUNCT
fsr-3529	85	12	·	·	PUNCT
fsr-3529	85	13	)	)	PUNCT
fsr-3529	85	14	,	,	PUNCT
fsr-3529	85	15	which	which	PRON
fsr-3529	85	16	is	be	AUX
fsr-3529	85	17	less	less	ADJ
fsr-3529	85	18	than	than	ADP
fsr-3529	85	19	1	1	NUM
fsr-3529	85	20	.	.	X
fsr-3529	85	21	becker	becker	PROPN
fsr-3529	85	22	and	and	CCONJ
fsr-3529	85	23	mulligan	mulligan	PROPN
fsr-3529	85	24	define	define	VERB
fsr-3529	85	25	s	s	VERB
fsr-3529	85	26	to	to	PART
fsr-3529	85	27	be	be	AUX
fsr-3529	85	28	the	the	DET
fsr-3529	85	29	effort	effort	NOUN
fsr-3529	85	30	people	people	NOUN
fsr-3529	85	31	make	make	VERB
fsr-3529	85	32	to	to	PART
fsr-3529	85	33	increase	increase	VERB
fsr-3529	85	34	their	their	PRON
fsr-3529	85	35	appreciation	appreciation	NOUN
fsr-3529	85	36	of	of	ADP
fsr-3529	85	37	future	future	ADJ
fsr-3529	85	38	utility	utility	NOUN
fsr-3529	85	39	.	.	PUNCT
fsr-3529	86	1	s	s	PART
fsr-3529	86	2	is	be	AUX
fsr-3529	86	3	determined	determine	VERB
fsr-3529	86	4	by	by	ADP
fsr-3529	86	5	the	the	DET
fsr-3529	86	6	time	time	NOUN
fsr-3529	86	7	and	and	CCONJ
fsr-3529	86	8	effort	effort	NOUN
fsr-3529	86	9	spent	spend	VERB
fsr-3529	86	10	in	in	ADP
fsr-3529	86	11	the	the	DET
fsr-3529	86	12	appreciation	appreciation	NOUN
fsr-3529	86	13	of	of	ADP
fsr-3529	86	14	pleasures	pleasure	NOUN
fsr-3529	86	15	of	of	ADP
fsr-3529	86	16	the	the	DET
fsr-3529	86	17	future	future	NOUN
fsr-3529	86	18	,	,	PUNCT
fsr-3529	86	19	by	by	ADP
fsr-3529	86	20	spending	spend	VERB
fsr-3529	86	21	on	on	ADP
fsr-3529	86	22	certain	certain	ADJ
fsr-3529	86	23	goods	good	NOUN
fsr-3529	86	24	that	that	PRON
fsr-3529	86	25	distract	distract	VERB
fsr-3529	86	26	one	one	NUM
fsr-3529	86	27	’s	’s	PART
fsr-3529	86	28	attention	attention	NOUN
fsr-3529	86	29	away	away	ADV
fsr-3529	86	30	from	from	ADP
fsr-3529	86	31	current	current	ADJ
fsr-3529	86	32	pleasure	pleasure	NOUN
fsr-3529	86	33	,	,	PUNCT
fsr-3529	86	34	and	and	CCONJ
fsr-3529	86	35	toward	toward	ADP
fsr-3529	86	36	future	future	ADJ
fsr-3529	86	37	ones	one	NOUN
fsr-3529	86	38	by	by	ADP
fsr-3529	86	39	schooling	schooling	NOUN
fsr-3529	86	40	,	,	PUNCT
fsr-3529	86	41	saving	saving	NOUN
fsr-3529	86	42	,	,	PUNCT
fsr-3529	86	43	and	and	CCONJ
fsr-3529	86	44	so	so	ADV
fsr-3529	86	45	forth	forth	ADV
fsr-3529	86	46	.	.	PUNCT
fsr-3529	87	1	in	in	ADP
fsr-3529	87	2	other	other	ADJ
fsr-3529	87	3	words	word	NOUN
fsr-3529	87	4	,	,	PUNCT
fsr-3529	87	5	s	s	X
fsr-3529	87	6	is	be	AUX
fsr-3529	87	7	the	the	DET
fsr-3529	87	8	“	"	PUNCT
fsr-3529	87	9	patient	patient	ADJ
fsr-3529	87	10	”	"	PUNCT
fsr-3529	87	11	factor	factor	NOUN
fsr-3529	87	12	(	(	PUNCT
fsr-3529	87	13	becker	becker	PROPN
fsr-3529	87	14	&	&	CCONJ
fsr-3529	87	15	mulligan	mulligan	PROPN
fsr-3529	87	16	,	,	PUNCT
fsr-3529	87	17	1997	1997	NUM
fsr-3529	87	18	)	)	PUNCT
fsr-3529	87	19	.	.	PUNCT
fsr-3529	88	1	applying	apply	VERB
fsr-3529	88	2	the	the	DET
fsr-3529	88	3	patience	patience	NOUN
fsr-3529	88	4	formation	formation	NOUN
fsr-3529	88	5	model	model	NOUN
fsr-3529	88	6	to	to	ADP
fsr-3529	88	7	this	this	DET
fsr-3529	88	8	paper	paper	NOUN
fsr-3529	88	9	,	,	PUNCT
fsr-3529	88	10	which	which	PRON
fsr-3529	88	11	analyzes	analyze	VERB
fsr-3529	88	12	the	the	DET
fsr-3529	88	13	determinants	determinant	NOUN
fsr-3529	88	14	of	of	ADP
fsr-3529	88	15	financial	financial	ADJ
fsr-3529	88	16	planning	planning	NOUN
fsr-3529	88	17	horizons	horizon	NOUN
fsr-3529	88	18	,	,	PUNCT
fsr-3529	88	19	s	s	PART
fsr-3529	88	20	could	could	AUX
fsr-3529	88	21	represent	represent	VERB
fsr-3529	88	22	the	the	DET
fsr-3529	88	23	effort	effort	NOUN
fsr-3529	88	24	and	and	CCONJ
fsr-3529	88	25	time	time	NOUN
fsr-3529	88	26	spent	spend	VERB
fsr-3529	88	27	by	by	ADP
fsr-3529	88	28	the	the	DET
fsr-3529	88	29	respondents	respondent	NOUN
fsr-3529	88	30	to	to	PART
fsr-3529	88	31	make	make	VERB
fsr-3529	88	32	long	long	ADJ
fsr-3529	88	33	-	-	PUNCT
fsr-3529	88	34	term	term	NOUN
fsr-3529	88	35	financial	financial	ADJ
fsr-3529	88	36	plans	plan	NOUN
fsr-3529	88	37	.	.	PUNCT
fsr-3529	89	1	assuming	assume	VERB
fsr-3529	89	2	the	the	DET
fsr-3529	89	3	present	present	ADJ
fsr-3529	89	4	values	value	NOUN
fsr-3529	89	5	of	of	ADP
fsr-3529	89	6	all	all	DET
fsr-3529	89	7	assets	asset	NOUN
fsr-3529	89	8	and	and	CCONJ
fsr-3529	89	9	earnings	earning	NOUN
fsr-3529	89	10	are	be	AUX
fsr-3529	89	11	calculated	calculate	VERB
fsr-3529	89	12	into	into	ADP
fsr-3529	89	13	an	an	DET
fsr-3529	89	14	initial	initial	ADJ
fsr-3529	89	15	endowment	endowment	NOUN
fsr-3529	89	16	of	of	ADP
fsr-3529	89	17	wealth	wealth	PROPN
fsr-3529	89	18	a0	a0	PROPN
fsr-3529	89	19	,	,	PUNCT
fsr-3529	89	20	then	then	ADV
fsr-3529	89	21	the	the	DET
fsr-3529	89	22	intertemporal	intertemporal	ADJ
fsr-3529	89	23	budget	budget	NOUN
fsr-3529	89	24	constraint	constraint	NOUN
fsr-3529	89	25	can	can	AUX
fsr-3529	89	26	be	be	AUX
fsr-3529	89	27	described	describe	VERB
fsr-3529	89	28	as	as	ADP
fsr-3529	89	29	o	o	PROPN
fsr-3529	89	30	t	t	PROPN
fsr-3529	89	31	i=0	i=0	PROPN
fsr-3529	89	32	rici	rici	PROPN
fsr-3529	89	33	þ	þ	PROPN
fsr-3529	89	34	ps	ps	PROPN
fsr-3529	89	35	=	=	PROPN
fsr-3529	89	36	a0	a0	PROPN
fsr-3529	89	37	(	(	PUNCT
fsr-3529	89	38	2	2	NUM
fsr-3529	89	39	)	)	PUNCT
fsr-3529	89	40	where	where	SCONJ
fsr-3529	89	41	ri	ri	PROPN
fsr-3529	89	42	’s	’	VERB
fsr-3529	89	43	represent	represent	VERB
fsr-3529	89	44	the	the	DET
fsr-3529	89	45	interest	interest	NOUN
fsr-3529	89	46	factors	factor	NOUN
fsr-3529	89	47	and	and	CCONJ
fsr-3529	89	48	p	p	NOUN
fsr-3529	89	49	stands	stand	VERB
fsr-3529	89	50	for	for	ADP
fsr-3529	89	51	the	the	DET
fsr-3529	89	52	price	price	NOUN
fsr-3529	89	53	of	of	ADP
fsr-3529	89	54	s.	s.	PROPN
fsr-3529	89	55	the	the	DET
fsr-3529	89	56	first	first	ADJ
fsr-3529	89	57	-	-	PUNCT
fsr-3529	89	58	order	order	NOUN
fsr-3529	89	59	conditions	condition	NOUN
fsr-3529	89	60	with	with	ADP
fsr-3529	89	61	respect	respect	NOUN
fsr-3529	89	62	to	to	ADP
fsr-3529	89	63	consumption	consumption	NOUN
fsr-3529	89	64	at	at	ADP
fsr-3529	89	65	each	each	DET
fsr-3529	89	66	period	period	NOUN
fsr-3529	89	67	are	be	AUX
fsr-3529	89	68	as	as	SCONJ
fsr-3529	89	69	follows	follow	VERB
fsr-3529	89	70	:	:	PUNCT
fsr-3529	89	71	b	b	X
fsr-3529	89	72	0	0	NUM
fsr-3529	89	73	sð	sð	NOUN
fsr-3529	90	1	þ	þ	NOUN
fsr-3529	90	2	o	o	NOUN
fsr-3529	91	1	t	t	X
fsr-3529	91	2	i=0	i=0	PROPN
fsr-3529	92	1	i	i	PRON
fsr-3529	92	2	%	%	VERB
fsr-3529	93	1	b	b	X
fsr-3529	93	2	sð	sð	ADJ
fsr-3529	93	3	þ	þ	NOUN
fsr-3529	93	4	!	!	PUNCT
fsr-3529	94	1	"	"	PUNCT
fsr-3529	94	2	i$1	i$1	VERB
fsr-3529	94	3	%	%	NOUN
fsr-3529	94	4	fi	fi	NOUN
fsr-3529	94	5	cið	cið	NOUN
fsr-3529	94	6	þ	þ	NOUN
fsr-3529	94	7	"	"	PUNCT
fsr-3529	94	8	#	#	X
fsr-3529	94	9	=	=	PROPN
fsr-3529	94	10	k0	k0	PROPN
fsr-3529	94	11	=	=	PUNCT
fsr-3529	94	12	f	f	PROPN
fsr-3529	94	13	0	0	NUM
fsr-3529	94	14	0	0	NUM
fsr-3529	94	15	c0ð	c0ð	NOUN
fsr-3529	94	16	þ	þ	PROPN
fsr-3529	94	17	(	(	PUNCT
fsr-3529	94	18	3	3	NUM
fsr-3529	94	19	)	)	PUNCT
fsr-3529	94	20	where	where	SCONJ
fsr-3529	94	21	l	l	NOUN
fsr-3529	94	22	0	0	NUM
fsr-3529	94	23	denotes	denote	VERB
fsr-3529	94	24	the	the	DET
fsr-3529	94	25	marginal	marginal	ADJ
fsr-3529	94	26	utility	utility	NOUN
fsr-3529	94	27	of	of	ADP
fsr-3529	94	28	wealth	wealth	NOUN
fsr-3529	94	29	.	.	PUNCT
fsr-3529	95	1	the	the	DET
fsr-3529	95	2	marginal	marginal	ADJ
fsr-3529	95	3	benefit	benefit	NOUN
fsr-3529	95	4	of	of	ADP
fsr-3529	95	5	s	s	PROPN
fsr-3529	95	6	depends	depend	VERB
fsr-3529	95	7	on	on	ADP
fsr-3529	95	8	the	the	DET
fsr-3529	95	9	length	length	NOUN
fsr-3529	95	10	of	of	ADP
fsr-3529	95	11	the	the	DET
fsr-3529	95	12	consumer	consumer	NOUN
fsr-3529	95	13	’s	’s	PART
fsr-3529	95	14	life	life	NOUN
fsr-3529	95	15	(	(	PUNCT
fsr-3529	95	16	t	t	PROPN
fsr-3529	95	17	)	)	PUNCT
fsr-3529	95	18	,	,	PUNCT
fsr-3529	95	19	the	the	DET
fsr-3529	95	20	level	level	NOUN
fsr-3529	95	21	of	of	ADP
fsr-3529	95	22	future	future	ADJ
fsr-3529	95	23	utilities	utility	NOUN
fsr-3529	95	24	,	,	PUNCT
fsr-3529	95	25	and	and	CCONJ
fsr-3529	95	26	the	the	DET
fsr-3529	95	27	level	level	NOUN
fsr-3529	95	28	of	of	ADP
fsr-3529	95	29	discount	discount	NOUN
fsr-3529	95	30	rate.1	rate.1	PROPN
fsr-3529	95	31	from	from	ADP
fsr-3529	95	32	the	the	DET
fsr-3529	95	33	first	first	ADJ
fsr-3529	95	34	order	order	NOUN
fsr-3529	95	35	conditions	condition	NOUN
fsr-3529	95	36	depicted	depict	VERB
fsr-3529	95	37	by	by	ADP
fsr-3529	95	38	eq	eq	PROPN
fsr-3529	95	39	.	.	PUNCT
fsr-3529	96	1	(	(	PUNCT
fsr-3529	96	2	3	3	NUM
fsr-3529	96	3	)	)	PUNCT
fsr-3529	96	4	,	,	PUNCT
fsr-3529	96	5	if	if	SCONJ
fsr-3529	96	6	an	an	DET
fsr-3529	96	7	increase	increase	NOUN
fsr-3529	96	8	in	in	ADP
fsr-3529	96	9	life	life	NOUN
fsr-3529	96	10	expectancy	expectancy	NOUN
fsr-3529	96	11	(	(	PUNCT
fsr-3529	96	12	from	from	ADP
fsr-3529	96	13	t	t	PROPN
fsr-3529	96	14	to	to	ADP
fsr-3529	96	15	t	t	PROPN
fsr-3529	96	16	+	+	CCONJ
fsr-3529	96	17	dt	dt	X
fsr-3529	96	18	)	)	PUNCT
fsr-3529	96	19	is	be	AUX
fsr-3529	96	20	accompanied	accompany	VERB
fsr-3529	96	21	by	by	ADP
fsr-3529	96	22	an	an	DET
fsr-3529	96	23	increase	increase	NOUN
fsr-3529	96	24	of	of	ADP
fsr-3529	96	25	lifetime	lifetime	NOUN
fsr-3529	96	26	earnings	earning	NOUN
fsr-3529	96	27	’	'	PUNCT
fsr-3529	96	28	that	that	PRON
fsr-3529	96	29	maintains	maintain	VERB
fsr-3529	96	30	the	the	DET
fsr-3529	96	31	marginal	marginal	ADJ
fsr-3529	96	32	utility	utility	NOUN
fsr-3529	96	33	of	of	ADP
fsr-3529	96	34	wealth	wealth	NOUN
fsr-3529	96	35	,	,	PUNCT
fsr-3529	96	36	l	l	NOUN
fsr-3529	96	37	0	0	NUM
fsr-3529	96	38	,	,	PUNCT
fsr-3529	96	39	then	then	ADV
fsr-3529	96	40	this	this	DET
fsr-3529	96	41	change	change	NOUN
fsr-3529	96	42	(	(	PUNCT
fsr-3529	96	43	dt	dt	NOUN
fsr-3529	96	44	)	)	PUNCT
fsr-3529	96	45	will	will	AUX
fsr-3529	96	46	increase	increase	VERB
fsr-3529	96	47	the	the	DET
fsr-3529	96	48	marginal	marginal	ADJ
fsr-3529	96	49	benefit	benefit	NOUN
fsr-3529	96	50	from	from	ADP
fsr-3529	96	51	investing	invest	VERB
fsr-3529	96	52	in	in	ADP
fsr-3529	96	53	future	future	ADJ
fsr-3529	96	54	-	-	PUNCT
fsr-3529	96	55	oriented	orient	VERB
fsr-3529	96	56	capital	capital	NOUN
fsr-3529	96	57	–	–	PUNCT
fsr-3529	96	58	the	the	DET
fsr-3529	96	59	patient	patient	ADJ
fsr-3529	96	60	factor	factor	NOUN
fsr-3529	96	61	s.2	s.2	X
fsr-3529	96	62	therefore	therefore	ADV
fsr-3529	96	63	,	,	PUNCT
fsr-3529	96	64	longer	long	ADJ
fsr-3529	96	65	lifetime	lifetime	NOUN
fsr-3529	96	66	,	,	PUNCT
fsr-3529	96	67	or	or	CCONJ
fsr-3529	96	68	self	self	NOUN
fsr-3529	96	69	-	-	PUNCT
fsr-3529	96	70	perceived	perceive	VERB
fsr-3529	96	71	life	life	NOUN
fsr-3529	96	72	expectancy	expectancy	NOUN
fsr-3529	96	73	increase	increase	NOUN
fsr-3529	96	74	,	,	PUNCT
fsr-3529	96	75	will	will	AUX
fsr-3529	96	76	directly	directly	ADV
fsr-3529	96	77	motivate	motivate	VERB
fsr-3529	96	78	consumers	consumer	NOUN
fsr-3529	96	79	to	to	PART
fsr-3529	96	80	plan	plan	VERB
fsr-3529	96	81	further	far	ADV
fsr-3529	96	82	into	into	ADP
fsr-3529	96	83	the	the	DET
fsr-3529	96	84	future	future	NOUN
fsr-3529	96	85	.	.	PUNCT
fsr-3529	97	1	hence	hence	ADV
fsr-3529	97	2	,	,	PUNCT
fsr-3529	97	3	this	this	DET
fsr-3529	97	4	model	model	NOUN
fsr-3529	97	5	predicts	predict	VERB
fsr-3529	97	6	a	a	DET
fsr-3529	97	7	positive	positive	ADJ
fsr-3529	97	8	relationship	relationship	NOUN
fsr-3529	97	9	between	between	ADP
fsr-3529	97	10	the	the	DET
fsr-3529	97	11	consumers	consumer	NOUN
fsr-3529	97	12	’	’	PART
fsr-3529	97	13	life	life	NOUN
fsr-3529	97	14	expectancy	expectancy	NOUN
fsr-3529	97	15	and	and	CCONJ
fsr-3529	97	16	their	their	PRON
fsr-3529	97	17	financial	financial	ADJ
fsr-3529	97	18	planning	planning	NOUN
fsr-3529	97	19	horizons	horizon	NOUN
fsr-3529	97	20	.	.	PUNCT
fsr-3529	98	1	4	4	X
fsr-3529	98	2	.	.	NOUN
fsr-3529	98	3	results	result	NOUN
fsr-3529	98	4	to	to	PART
fsr-3529	98	5	examine	examine	VERB
fsr-3529	98	6	which	which	DET
fsr-3529	98	7	factors	factor	NOUN
fsr-3529	98	8	and	and	CCONJ
fsr-3529	98	9	to	to	ADP
fsr-3529	98	10	what	what	DET
fsr-3529	98	11	extent	extent	NOUN
fsr-3529	98	12	each	each	PRON
fsr-3529	98	13	of	of	ADP
fsr-3529	98	14	these	these	DET
fsr-3529	98	15	factors	factor	NOUN
fsr-3529	98	16	drive	drive	VERB
fsr-3529	98	17	the	the	DET
fsr-3529	98	18	change	change	NOUN
fsr-3529	98	19	in	in	ADP
fsr-3529	98	20	people	people	NOUN
fsr-3529	98	21	’s	’s	PART
fsr-3529	98	22	financial	financial	ADJ
fsr-3529	98	23	planning	planning	NOUN
fsr-3529	98	24	horizons	horizon	NOUN
fsr-3529	98	25	,	,	PUNCT
fsr-3529	98	26	this	this	DET
fsr-3529	98	27	study	study	NOUN
fsr-3529	98	28	compares	compare	VERB
fsr-3529	98	29	the	the	DET
fsr-3529	98	30	ols	ol	NOUN
fsr-3529	98	31	and	and	CCONJ
fsr-3529	98	32	ordered	order	VERB
fsr-3529	98	33	probit	probit	NOUN
fsr-3529	98	34	z.	z.	PROPN
fsr-3529	98	35	liu	liu	PROPN
fsr-3529	98	36	et	et	PROPN
fsr-3529	98	37	al	al	PROPN
fsr-3529	98	38	.	.	PUNCT
fsr-3529	98	39	/	/	SYM
fsr-3529	98	40	financial	financial	ADJ
fsr-3529	98	41	services	service	NOUN
fsr-3529	98	42	review	review	VERB
fsr-3529	98	43	31	31	NUM
fsr-3529	98	44	(	(	PUNCT
fsr-3529	98	45	2023	2023	NUM
fsr-3529	98	46	)	)	PUNCT
fsr-3529	98	47	107–120	107–120	NUM
fsr-3529	98	48	111	111	NUM
fsr-3529	98	49	regression	regression	NOUN
fsr-3529	98	50	results	result	VERB
fsr-3529	98	51	cross	cross	ADJ
fsr-3529	98	52	-	-	ADJ
fsr-3529	98	53	sectionally	sectionally	ADV
fsr-3529	98	54	.	.	PUNCT
fsr-3529	99	1	this	this	DET
fsr-3529	99	2	paper	paper	NOUN
fsr-3529	99	3	also	also	ADV
fsr-3529	99	4	conducts	conduct	VERB
fsr-3529	99	5	longitudinal	longitudinal	ADJ
fsr-3529	99	6	robustness	robustness	NOUN
fsr-3529	99	7	checks	check	NOUN
fsr-3529	99	8	to	to	PART
fsr-3529	99	9	examine	examine	VERB
fsr-3529	99	10	whether	whether	SCONJ
fsr-3529	99	11	intrapersonal	intrapersonal	ADJ
fsr-3529	99	12	changes	change	NOUN
fsr-3529	99	13	in	in	ADP
fsr-3529	99	14	these	these	DET
fsr-3529	99	15	factors	factor	NOUN
fsr-3529	99	16	cause	cause	VERB
fsr-3529	99	17	changes	change	NOUN
fsr-3529	99	18	in	in	ADP
fsr-3529	99	19	the	the	DET
fsr-3529	99	20	financial	financial	ADJ
fsr-3529	99	21	planning	planning	NOUN
fsr-3529	99	22	horizon	horizon	NOUN
fsr-3529	99	23	over	over	ADP
fsr-3529	99	24	time	time	NOUN
fsr-3529	99	25	.	.	PUNCT
fsr-3529	100	1	table	table	NOUN
fsr-3529	100	2	2	2	NUM
fsr-3529	100	3	reports	report	NOUN
fsr-3529	100	4	the	the	DET
fsr-3529	100	5	weighted	weight	VERB
fsr-3529	100	6	means	mean	NOUN
fsr-3529	100	7	for	for	ADP
fsr-3529	100	8	the	the	DET
fsr-3529	100	9	variables	variable	NOUN
fsr-3529	100	10	of	of	ADP
fsr-3529	100	11	interest	interest	NOUN
fsr-3529	100	12	in	in	ADP
fsr-3529	100	13	the	the	DET
fsr-3529	100	14	2018	2018	NUM
fsr-3529	100	15	wave	wave	NOUN
fsr-3529	100	16	.	.	PUNCT
fsr-3529	101	1	figure	figure	NOUN
fsr-3529	101	2	1	1	NUM
fsr-3529	101	3	demonstrates	demonstrate	VERB
fsr-3529	101	4	how	how	SCONJ
fsr-3529	101	5	the	the	DET
fsr-3529	101	6	“	"	PUNCT
fsr-3529	101	7	years	year	NOUN
fsr-3529	101	8	to	to	PART
fsr-3529	101	9	live	live	VERB
fsr-3529	101	10	”	"	PUNCT
fsr-3529	101	11	variable	variable	NOUN
fsr-3529	101	12	measuring	measure	VERB
fsr-3529	101	13	selfperceived	selfperceive	VERB
fsr-3529	101	14	life	life	NOUN
fsr-3529	101	15	expectancy	expectancy	NOUN
fsr-3529	101	16	varies	vary	VERB
fsr-3529	101	17	with	with	ADP
fsr-3529	101	18	age	age	NOUN
fsr-3529	101	19	.	.	PUNCT
fsr-3529	102	1	table	table	NOUN
fsr-3529	102	2	3	3	NUM
fsr-3529	102	3	reports	report	VERB
fsr-3529	102	4	the	the	DET
fsr-3529	102	5	ordinary	ordinary	ADJ
fsr-3529	102	6	least	least	ADJ
fsr-3529	102	7	squares	square	NOUN
fsr-3529	102	8	regression	regression	NOUN
fsr-3529	102	9	results	result	NOUN
fsr-3529	102	10	with	with	ADP
fsr-3529	102	11	the	the	DET
fsr-3529	102	12	2018	2018	NUM
fsr-3529	102	13	wave	wave	NOUN
fsr-3529	102	14	respondent	respondent	NOUN
fsr-3529	102	15	level	level	NOUN
fsr-3529	102	16	weight	weight	NOUN
fsr-3529	102	17	applied	apply	VERB
fsr-3529	102	18	.	.	PUNCT
fsr-3529	103	1	the	the	DET
fsr-3529	103	2	results	result	NOUN
fsr-3529	103	3	in	in	ADP
fsr-3529	103	4	table	table	NOUN
fsr-3529	103	5	3	3	NUM
fsr-3529	103	6	demonstrate	demonstrate	VERB
fsr-3529	103	7	significant	significant	ADJ
fsr-3529	103	8	relationships	relationship	NOUN
fsr-3529	103	9	between	between	ADP
fsr-3529	103	10	the	the	DET
fsr-3529	103	11	financial	financial	ADJ
fsr-3529	103	12	planning	planning	NOUN
fsr-3529	103	13	horizon	horizon	NOUN
fsr-3529	103	14	variable	variable	NOUN
fsr-3529	103	15	and	and	CCONJ
fsr-3529	103	16	the	the	DET
fsr-3529	103	17	independent	independent	ADJ
fsr-3529	103	18	variables	variable	NOUN
fsr-3529	103	19	such	such	ADJ
fsr-3529	103	20	as	as	ADP
fsr-3529	103	21	self	self	NOUN
fsr-3529	103	22	-	-	PUNCT
fsr-3529	103	23	perceived	perceive	VERB
fsr-3529	103	24	longevity	longevity	NOUN
fsr-3529	103	25	,	,	PUNCT
fsr-3529	103	26	race	race	NOUN
fsr-3529	103	27	,	,	PUNCT
fsr-3529	103	28	marital	marital	ADJ
fsr-3529	103	29	status	status	NOUN
fsr-3529	103	30	,	,	PUNCT
fsr-3529	103	31	retirement	retirement	NOUN
fsr-3529	103	32	status	status	NOUN
fsr-3529	103	33	,	,	PUNCT
fsr-3529	103	34	and	and	CCONJ
fsr-3529	103	35	wealth	wealth	NOUN
fsr-3529	103	36	levels	level	NOUN
fsr-3529	103	37	.	.	PUNCT
fsr-3529	104	1	note	note	VERB
fsr-3529	104	2	that	that	SCONJ
fsr-3529	104	3	the	the	DET
fsr-3529	104	4	age	age	NOUN
fsr-3529	104	5	variable	variable	NOUN
fsr-3529	104	6	becomes	become	VERB
fsr-3529	104	7	significant	significant	ADJ
fsr-3529	104	8	after	after	ADP
fsr-3529	104	9	omitting	omit	VERB
fsr-3529	104	10	the	the	DET
fsr-3529	104	11	life	life	NOUN
fsr-3529	104	12	expectancy	expectancy	NOUN
fsr-3529	104	13	variable	variable	NOUN
fsr-3529	104	14	from	from	ADP
fsr-3529	104	15	the	the	DET
fsr-3529	104	16	ols	ol	NOUN
fsr-3529	104	17	regression	regression	NOUN
fsr-3529	104	18	.	.	PUNCT
fsr-3529	105	1	this	this	DET
fsr-3529	105	2	finding	finding	NOUN
fsr-3529	105	3	indicates	indicate	VERB
fsr-3529	105	4	that	that	SCONJ
fsr-3529	105	5	the	the	DET
fsr-3529	105	6	effect	effect	NOUN
fsr-3529	105	7	of	of	ADP
fsr-3529	105	8	aging	age	VERB
fsr-3529	105	9	on	on	ADP
fsr-3529	105	10	financial	financial	ADJ
fsr-3529	105	11	planning	planning	NOUN
fsr-3529	105	12	horizon	horizon	NOUN
fsr-3529	105	13	is	be	AUX
fsr-3529	105	14	captured	capture	VERB
fsr-3529	105	15	by	by	ADP
fsr-3529	105	16	the	the	DET
fsr-3529	105	17	self	self	NOUN
fsr-3529	105	18	-	-	PUNCT
fsr-3529	105	19	perceived	perceive	VERB
fsr-3529	105	20	life	life	NOUN
fsr-3529	105	21	expectancy	expectancy	NOUN
fsr-3529	105	22	variable	variable	NOUN
fsr-3529	105	23	.	.	PUNCT
fsr-3529	106	1	similarly	similarly	ADV
fsr-3529	106	2	,	,	PUNCT
fsr-3529	106	3	the	the	DET
fsr-3529	106	4	heart	heart	NOUN
fsr-3529	106	5	condition	condition	NOUN
fsr-3529	106	6	variable	variable	NOUN
fsr-3529	106	7	becomes	become	VERB
fsr-3529	106	8	marginally	marginally	ADV
fsr-3529	106	9	significant	significant	ADJ
fsr-3529	106	10	after	after	ADP
fsr-3529	106	11	omitting	omit	VERB
fsr-3529	106	12	the	the	DET
fsr-3529	106	13	life	life	NOUN
fsr-3529	106	14	expectancy	expectancy	NOUN
fsr-3529	106	15	variable	variable	NOUN
fsr-3529	106	16	from	from	ADP
fsr-3529	106	17	the	the	DET
fsr-3529	106	18	ols	ol	NOUN
fsr-3529	106	19	regression	regression	NOUN
fsr-3529	106	20	.	.	PUNCT
fsr-3529	107	1	this	this	PRON
fsr-3529	107	2	suggests	suggest	VERB
fsr-3529	107	3	that	that	SCONJ
fsr-3529	107	4	part	part	NOUN
fsr-3529	107	5	of	of	ADP
fsr-3529	107	6	the	the	DET
fsr-3529	107	7	effect	effect	NOUN
fsr-3529	107	8	of	of	ADP
fsr-3529	107	9	a	a	DET
fsr-3529	107	10	heart	heart	NOUN
fsr-3529	107	11	condition	condition	NOUN
fsr-3529	107	12	diagnosis	diagnosis	NOUN
fsr-3529	107	13	on	on	ADP
fsr-3529	107	14	financial	financial	ADJ
fsr-3529	107	15	planning	planning	NOUN
fsr-3529	107	16	horizon	horizon	NOUN
fsr-3529	107	17	is	be	AUX
fsr-3529	107	18	captured	capture	VERB
fsr-3529	107	19	by	by	ADP
fsr-3529	107	20	the	the	DET
fsr-3529	107	21	self	self	NOUN
fsr-3529	107	22	-	-	PUNCT
fsr-3529	107	23	perceived	perceive	VERB
fsr-3529	107	24	life	life	NOUN
fsr-3529	107	25	expectancy	expectancy	NOUN
fsr-3529	107	26	variable	variable	NOUN
fsr-3529	107	27	.	.	PUNCT
fsr-3529	108	1	table	table	NOUN
fsr-3529	108	2	4	4	NUM
fsr-3529	108	3	reports	report	NOUN
fsr-3529	108	4	a	a	DET
fsr-3529	108	5	more	more	ADV
fsr-3529	108	6	detailed	detailed	ADJ
fsr-3529	108	7	analysis	analysis	NOUN
fsr-3529	108	8	,	,	PUNCT
fsr-3529	108	9	showing	show	VERB
fsr-3529	108	10	the	the	DET
fsr-3529	108	11	average	average	ADJ
fsr-3529	108	12	marginal	marginal	ADJ
fsr-3529	108	13	effect	effect	NOUN
fsr-3529	108	14	of	of	ADP
fsr-3529	108	15	the	the	DET
fsr-3529	108	16	ordered	order	VERB
fsr-3529	108	17	probit	probit	NOUN
fsr-3529	108	18	regression	regression	NOUN
fsr-3529	108	19	for	for	ADP
fsr-3529	108	20	the	the	DET
fsr-3529	108	21	2018	2018	NUM
fsr-3529	108	22	wave	wave	NOUN
fsr-3529	108	23	data	datum	NOUN
fsr-3529	108	24	.	.	PUNCT
fsr-3529	109	1	this	this	DET
fsr-3529	109	2	regression	regression	NOUN
fsr-3529	109	3	also	also	ADV
fsr-3529	109	4	takes	take	VERB
fsr-3529	109	5	the	the	DET
fsr-3529	109	6	2018	2018	NUM
fsr-3529	109	7	respondent	respondent	NOUN
fsr-3529	109	8	-	-	PUNCT
fsr-3529	109	9	level	level	NOUN
fsr-3529	109	10	sample	sample	NOUN
fsr-3529	109	11	weight	weight	NOUN
fsr-3529	109	12	into	into	ADP
fsr-3529	109	13	consideration	consideration	NOUN
fsr-3529	109	14	.	.	PUNCT
fsr-3529	110	1	based	base	VERB
fsr-3529	110	2	on	on	ADP
fsr-3529	110	3	the	the	DET
fsr-3529	110	4	results	result	NOUN
fsr-3529	110	5	of	of	ADP
fsr-3529	110	6	both	both	DET
fsr-3529	110	7	ols	ol	NOUN
fsr-3529	110	8	and	and	CCONJ
fsr-3529	110	9	the	the	DET
fsr-3529	110	10	ordered	order	VERB
fsr-3529	110	11	probit	probit	NOUN
fsr-3529	110	12	regression	regression	NOUN
fsr-3529	110	13	,	,	PUNCT
fsr-3529	110	14	there	there	PRON
fsr-3529	110	15	is	be	VERB
fsr-3529	110	16	a	a	DET
fsr-3529	110	17	strong	strong	ADJ
fsr-3529	110	18	relationship	relationship	NOUN
fsr-3529	110	19	between	between	ADP
fsr-3529	110	20	the	the	DET
fsr-3529	110	21	respondent	respondent	NOUN
fsr-3529	110	22	’s	’s	PART
fsr-3529	110	23	self	self	NOUN
fsr-3529	110	24	-	-	PUNCT
fsr-3529	110	25	perceived	perceive	VERB
fsr-3529	110	26	life	life	NOUN
fsr-3529	110	27	expectancy	expectancy	NOUN
fsr-3529	110	28	and	and	CCONJ
fsr-3529	110	29	their	their	PRON
fsr-3529	110	30	financial	financial	ADJ
fsr-3529	110	31	planning	planning	NOUN
fsr-3529	110	32	horizon	horizon	NOUN
fsr-3529	110	33	.	.	PUNCT
fsr-3529	111	1	table	table	NOUN
fsr-3529	111	2	2	2	NUM
fsr-3529	111	3	summary	summary	NOUN
fsr-3529	111	4	statistics	statistic	NOUN
fsr-3529	111	5	for	for	ADP
fsr-3529	111	6	the	the	DET
fsr-3529	111	7	2018	2018	NUM
fsr-3529	111	8	wave	wave	NOUN
fsr-3529	111	9	cross	cross	ADJ
fsr-3529	111	10	-	-	ADJ
fsr-3529	111	11	sectional	sectional	ADJ
fsr-3529	111	12	analysis	analysis	NOUN
fsr-3529	111	13	variables	variable	NOUN
fsr-3529	111	14	mean	mean	VERB
fsr-3529	111	15	standard	standard	ADJ
fsr-3529	111	16	deviation	deviation	NOUN
fsr-3529	111	17	financial	financial	ADJ
fsr-3529	111	18	planning	planning	NOUN
fsr-3529	111	19	horizon	horizon	NOUN
fsr-3529	111	20	(	(	PUNCT
fsr-3529	111	21	next	next	ADJ
fsr-3529	111	22	few	few	ADJ
fsr-3529	111	23	months	month	NOUN
fsr-3529	111	24	¼	¼	NOUN
fsr-3529	111	25	1	1	NUM
fsr-3529	111	26	;	;	PUNCT
fsr-3529	111	27	next	next	ADJ
fsr-3529	111	28	year	year	NOUN
fsr-3529	111	29	¼	¼	NOUN
fsr-3529	111	30	2	2	NUM
fsr-3529	111	31	;	;	PUNCT
fsr-3529	111	32	next	next	ADJ
fsr-3529	111	33	few	few	ADJ
fsr-3529	111	34	years	year	NOUN
fsr-3529	111	35	¼	¼	NOUN
fsr-3529	111	36	3	3	NUM
fsr-3529	111	37	;	;	PUNCT
fsr-3529	111	38	next	next	ADJ
fsr-3529	111	39	5–10	5–10	ADJ
fsr-3529	111	40	years	year	NOUN
fsr-3529	111	41	¼	¼	NOUN
fsr-3529	111	42	4	4	NUM
fsr-3529	111	43	;	;	PUNCT
fsr-3529	111	44	longer	long	ADJ
fsr-3529	111	45	than	than	ADP
fsr-3529	111	46	10	10	NUM
fsr-3529	111	47	years	year	NOUN
fsr-3529	111	48	¼	¼	NOUN
fsr-3529	111	49	5	5	NUM
fsr-3529	111	50	)	)	PUNCT
fsr-3529	111	51	3.345433	3.345433	NUM
fsr-3529	111	52	1.171501	1.171501	NUM
fsr-3529	111	53	years	year	NOUN
fsr-3529	111	54	to	to	PART
fsr-3529	111	55	live	live	VERB
fsr-3529	111	56	(	(	PUNCT
fsr-3529	111	57	constructed	construct	VERB
fsr-3529	111	58	variable	variable	NOUN
fsr-3529	111	59	measuring	measure	VERB
fsr-3529	111	60	self	self	NOUN
fsr-3529	111	61	-	-	PUNCT
fsr-3529	111	62	perceived	perceive	VERB
fsr-3529	111	63	life	life	NOUN
fsr-3529	111	64	expectancy	expectancy	NOUN
fsr-3529	111	65	)	)	PUNCT
fsr-3529	112	1	8.118878	8.118878	NUM
fsr-3529	112	2	5.552278	5.552278	NUM
fsr-3529	112	3	male	male	NOUN
fsr-3529	112	4	(	(	PUNCT
fsr-3529	112	5	male	male	ADJ
fsr-3529	112	6	¼	¼	NOUN
fsr-3529	112	7	1	1	NUM
fsr-3529	112	8	;	;	PUNCT
fsr-3529	112	9	female	female	ADJ
fsr-3529	112	10	¼	¼	NOUN
fsr-3529	112	11	0	0	NUM
fsr-3529	112	12	)	)	PUNCT
fsr-3529	112	13	0.4724504	0.4724504	NUM
fsr-3529	112	14	0.4992765	0.4992765	NUM
fsr-3529	112	15	age	age	NOUN
fsr-3529	112	16	68.72538	68.72538	NUM
fsr-3529	112	17	7.4852	7.4852	NUM
fsr-3529	112	18	black	black	ADJ
fsr-3529	112	19	race	race	NOUN
fsr-3529	112	20	(	(	PUNCT
fsr-3529	112	21	white	white	ADJ
fsr-3529	112	22	¼	¼	NOUN
fsr-3529	112	23	0	0	NUM
fsr-3529	112	24	;	;	PUNCT
fsr-3529	112	25	black	black	ADJ
fsr-3529	112	26	¼	¼	NOUN
fsr-3529	112	27	1	1	NUM
fsr-3529	112	28	;	;	PUNCT
fsr-3529	112	29	else	else	ADV
fsr-3529	112	30	¼	¼	NOUN
fsr-3529	112	31	0	0	NUM
fsr-3529	112	32	)	)	PUNCT
fsr-3529	112	33	0.0805977	0.0805977	NUM
fsr-3529	112	34	0.2722359	0.2722359	NUM
fsr-3529	112	35	other	other	ADJ
fsr-3529	112	36	race	race	NOUN
fsr-3529	112	37	(	(	PUNCT
fsr-3529	112	38	white	white	ADJ
fsr-3529	112	39	¼	¼	NOUN
fsr-3529	112	40	0	0	NUM
fsr-3529	112	41	;	;	PUNCT
fsr-3529	112	42	black	black	ADJ
fsr-3529	112	43	¼	¼	NOUN
fsr-3529	112	44	0	0	NUM
fsr-3529	112	45	;	;	PUNCT
fsr-3529	112	46	else	else	X
fsr-3529	112	47	¼	¼	NOUN
fsr-3529	112	48	1	1	NUM
fsr-3529	112	49	)	)	PUNCT
fsr-3529	112	50	0.0591926	0.0591926	NUM
fsr-3529	112	51	0.2360019	0.2360019	NUM
fsr-3529	112	52	married	married	ADJ
fsr-3529	112	53	(	(	PUNCT
fsr-3529	112	54	married	marry	VERB
fsr-3529	112	55	¼	¼	NOUN
fsr-3529	112	56	1	1	NUM
fsr-3529	112	57	;	;	PUNCT
fsr-3529	112	58	else	else	ADV
fsr-3529	112	59	¼	¼	NOUN
fsr-3529	112	60	0	0	NUM
fsr-3529	112	61	)	)	PUNCT
fsr-3529	112	62	0.6936006	0.6936006	NUM
fsr-3529	112	63	0.4610309	0.4610309	NUM
fsr-3529	112	64	presence	presence	NOUN
fsr-3529	112	65	of	of	ADP
fsr-3529	112	66	child	child	NOUN
fsr-3529	112	67	(	(	PUNCT
fsr-3529	112	68	have	have	VERB
fsr-3529	112	69	children	child	NOUN
fsr-3529	112	70	¼	¼	NOUN
fsr-3529	112	71	1	1	NUM
fsr-3529	112	72	;	;	PUNCT
fsr-3529	112	73	no	no	DET
fsr-3529	112	74	children	child	NOUN
fsr-3529	112	75	¼	¼	NOUN
fsr-3529	112	76	0	0	NUM
fsr-3529	112	77	)	)	PUNCT
fsr-3529	112	78	0.904557	0.904557	NUM
fsr-3529	112	79	0.2938471	0.2938471	NUM
fsr-3529	112	80	retired	retire	VERB
fsr-3529	112	81	(	(	PUNCT
fsr-3529	112	82	retired	retire	VERB
fsr-3529	112	83	¼	¼	NOUN
fsr-3529	112	84	1	1	NUM
fsr-3529	112	85	;	;	PUNCT
fsr-3529	112	86	else	else	ADV
fsr-3529	112	87	¼	¼	NOUN
fsr-3529	112	88	0	0	NUM
fsr-3529	112	89	)	)	PUNCT
fsr-3529	112	90	0.5474733	0.5474733	NUM
fsr-3529	112	91	0.5326426	0.5326426	NUM
fsr-3529	112	92	years	year	NOUN
fsr-3529	112	93	of	of	ADP
fsr-3529	112	94	education	education	NOUN
fsr-3529	112	95	13.83241	13.83241	NUM
fsr-3529	112	96	2.736728	2.736728	NUM
fsr-3529	112	97	cancer	cancer	NOUN
fsr-3529	112	98	(	(	PUNCT
fsr-3529	112	99	have	have	AUX
fsr-3529	112	100	cancer	cancer	NOUN
fsr-3529	112	101	(	(	PUNCT
fsr-3529	112	102	excluding	exclude	VERB
fsr-3529	112	103	skin	skin	NOUN
fsr-3529	112	104	)	)	PUNCT
fsr-3529	112	105	¼	¼	NOUN
fsr-3529	112	106	1	1	NUM
fsr-3529	112	107	;	;	PUNCT
fsr-3529	112	108	else	else	ADV
fsr-3529	112	109	¼	¼	NOUN
fsr-3529	112	110	0	0	NUM
fsr-3529	112	111	)	)	PUNCT
fsr-3529	112	112	0.1679238	0.1679238	NUM
fsr-3529	112	113	0.3738256	0.3738256	NUM
fsr-3529	112	114	heart	heart	NOUN
fsr-3529	112	115	condition	condition	NOUN
fsr-3529	112	116	(	(	PUNCT
fsr-3529	112	117	diagnosed	diagnose	VERB
fsr-3529	112	118	with	with	ADP
fsr-3529	112	119	heart	heart	NOUN
fsr-3529	112	120	condition	condition	NOUN
fsr-3529	112	121	¼	¼	NOUN
fsr-3529	112	122	1	1	NUM
fsr-3529	112	123	;	;	PUNCT
fsr-3529	112	124	else	else	ADV
fsr-3529	112	125	¼	¼	NOUN
fsr-3529	112	126	0	0	NUM
fsr-3529	112	127	)	)	PUNCT
fsr-3529	112	128	0.241735	0.241735	NUM
fsr-3529	112	129	0.4281654	0.4281654	NUM
fsr-3529	112	130	wealth	wealth	NOUN
fsr-3529	112	131	(	(	PUNCT
fsr-3529	112	132	natural	natural	ADJ
fsr-3529	112	133	logarithm	logarithm	NOUN
fsr-3529	112	134	of	of	ADP
fsr-3529	112	135	total	total	ADJ
fsr-3529	112	136	wealth	wealth	NOUN
fsr-3529	112	137	)	)	PUNCT
fsr-3529	112	138	12.43344	12.43344	NUM
fsr-3529	112	139	1.98501	1.98501	NUM
fsr-3529	112	140	note	note	NOUN
fsr-3529	112	141	.	.	PUNCT
fsr-3529	113	1	respondent	respondent	NOUN
fsr-3529	113	2	-	-	PUNCT
fsr-3529	113	3	level	level	NOUN
fsr-3529	113	4	sample	sample	NOUN
fsr-3529	113	5	weight	weight	NOUN
fsr-3529	113	6	of	of	ADP
fsr-3529	113	7	the	the	DET
fsr-3529	113	8	2018	2018	NUM
fsr-3529	113	9	wave	wave	NOUN
fsr-3529	113	10	hrs	hrs	NOUN
fsr-3529	113	11	data	datum	NOUN
fsr-3529	113	12	is	be	AUX
fsr-3529	113	13	applied	apply	VERB
fsr-3529	113	14	to	to	ADP
fsr-3529	113	15	the	the	DET
fsr-3529	113	16	summary	summary	NOUN
fsr-3529	113	17	statistics	statistic	NOUN
fsr-3529	113	18	.	.	PUNCT
fsr-3529	114	1	112	112	NUM
fsr-3529	114	2	z.	z.	PROPN
fsr-3529	114	3	liu	liu	PROPN
fsr-3529	114	4	et	et	PROPN
fsr-3529	114	5	al	al	PROPN
fsr-3529	114	6	.	.	PUNCT
fsr-3529	114	7	/	/	SYM
fsr-3529	114	8	financial	financial	ADJ
fsr-3529	114	9	services	service	NOUN
fsr-3529	114	10	review	review	VERB
fsr-3529	114	11	31	31	NUM
fsr-3529	114	12	(	(	PUNCT
fsr-3529	114	13	2023	2023	NUM
fsr-3529	114	14	)	)	PUNCT
fsr-3529	114	15	107–120	107–120	NUM
fsr-3529	114	16	both	both	CCONJ
fsr-3529	114	17	the	the	DET
fsr-3529	114	18	ols	ol	NOUN
fsr-3529	114	19	and	and	CCONJ
fsr-3529	114	20	the	the	DET
fsr-3529	114	21	ordered	order	VERB
fsr-3529	114	22	probit	probit	NOUN
fsr-3529	114	23	regression	regression	NOUN
fsr-3529	114	24	results	result	NOUN
fsr-3529	114	25	show	show	VERB
fsr-3529	114	26	that	that	SCONJ
fsr-3529	114	27	a	a	DET
fsr-3529	114	28	respondent	respondent	NOUN
fsr-3529	114	29	’s	’s	PART
fsr-3529	114	30	financial	financial	ADJ
fsr-3529	114	31	planning	planning	NOUN
fsr-3529	114	32	horizon	horizon	NOUN
fsr-3529	114	33	is	be	AUX
fsr-3529	114	34	strongly	strongly	ADV
fsr-3529	114	35	correlated	correlate	VERB
fsr-3529	114	36	with	with	ADP
fsr-3529	114	37	her	she	PRON
fsr-3529	114	38	or	or	CCONJ
fsr-3529	114	39	his	his	PRON
fsr-3529	114	40	self	self	NOUN
fsr-3529	114	41	-	-	PUNCT
fsr-3529	114	42	perceived	perceive	VERB
fsr-3529	114	43	life	life	NOUN
fsr-3529	114	44	expectancy	expectancy	NOUN
fsr-3529	114	45	,	,	PUNCT
fsr-3529	114	46	race	race	NOUN
fsr-3529	114	47	,	,	PUNCT
fsr-3529	114	48	marital	marital	ADJ
fsr-3529	114	49	status	status	NOUN
fsr-3529	114	50	,	,	PUNCT
fsr-3529	114	51	retirement	retirement	NOUN
fsr-3529	114	52	status	status	NOUN
fsr-3529	114	53	,	,	PUNCT
fsr-3529	114	54	and	and	CCONJ
fsr-3529	114	55	wealth	wealth	NOUN
fsr-3529	114	56	level	level	NOUN
fsr-3529	114	57	.	.	PUNCT
fsr-3529	115	1	ceteris	ceteris	NOUN
fsr-3529	115	2	paribus	paribus	NOUN
fsr-3529	115	3	,	,	PUNCT
fsr-3529	115	4	individuals	individual	NOUN
fsr-3529	115	5	with	with	ADP
fsr-3529	115	6	longer	long	ADJ
fsr-3529	115	7	self	self	NOUN
fsr-3529	115	8	-	-	PUNCT
fsr-3529	115	9	perceived	perceive	VERB
fsr-3529	115	10	life	life	NOUN
fsr-3529	115	11	expectancy	expectancy	NOUN
fsr-3529	115	12	,	,	PUNCT
fsr-3529	115	13	on	on	ADP
fsr-3529	115	14	average	average	ADJ
fsr-3529	115	15	,	,	PUNCT
fsr-3529	115	16	tend	tend	VERB
fsr-3529	115	17	to	to	PART
fsr-3529	115	18	report	report	VERB
fsr-3529	115	19	longer	long	ADJ
fsr-3529	115	20	financial	financial	ADJ
fsr-3529	115	21	planning	planning	NOUN
fsr-3529	115	22	horizons	horizon	NOUN
fsr-3529	115	23	.	.	PUNCT
fsr-3529	116	1	this	this	DET
fsr-3529	116	2	result	result	NOUN
fsr-3529	116	3	provides	provide	VERB
fsr-3529	116	4	direct	direct	ADJ
fsr-3529	116	5	evidence	evidence	NOUN
fsr-3529	116	6	for	for	ADP
fsr-3529	116	7	the	the	DET
fsr-3529	116	8	main	main	ADJ
fsr-3529	116	9	hypothesis	hypothesis	NOUN
fsr-3529	116	10	of	of	ADP
fsr-3529	116	11	this	this	DET
fsr-3529	116	12	study	study	NOUN
fsr-3529	116	13	and	and	CCONJ
fsr-3529	116	14	agrees	agree	VERB
fsr-3529	116	15	with	with	ADP
fsr-3529	116	16	the	the	DET
fsr-3529	116	17	prediction	prediction	NOUN
fsr-3529	116	18	of	of	ADP
fsr-3529	116	19	becker	becker	PROPN
fsr-3529	116	20	and	and	CCONJ
fsr-3529	116	21	mulligan	mulligan	PROPN
fsr-3529	116	22	’s	’s	PART
fsr-3529	116	23	(	(	PUNCT
fsr-3529	116	24	1997	1997	NUM
fsr-3529	116	25	)	)	PUNCT
fsr-3529	116	26	model	model	NOUN
fsr-3529	116	27	of	of	ADP
fsr-3529	116	28	patience	patience	NOUN
fsr-3529	116	29	formation	formation	NOUN
fsr-3529	116	30	.	.	PUNCT
fsr-3529	117	1	married	married	ADJ
fsr-3529	117	2	couples	couple	NOUN
fsr-3529	117	3	,	,	PUNCT
fsr-3529	117	4	on	on	ADP
fsr-3529	117	5	average	average	ADJ
fsr-3529	117	6	,	,	PUNCT
fsr-3529	117	7	are	be	AUX
fsr-3529	117	8	more	more	ADV
fsr-3529	117	9	likely	likely	ADJ
fsr-3529	117	10	to	to	PART
fsr-3529	117	11	report	report	VERB
fsr-3529	117	12	longer	long	ADJ
fsr-3529	117	13	financial	financial	ADJ
fsr-3529	117	14	planning	planning	NOUN
fsr-3529	117	15	horizons	horizon	NOUN
fsr-3529	117	16	.	.	PUNCT
fsr-3529	118	1	wealth	wealth	NOUN
fsr-3529	118	2	level	level	NOUN
fsr-3529	118	3	is	be	AUX
fsr-3529	118	4	also	also	ADV
fsr-3529	118	5	associated	associate	VERB
fsr-3529	118	6	with	with	ADP
fsr-3529	118	7	the	the	DET
fsr-3529	118	8	respondents	respondent	NOUN
fsr-3529	118	9	’	'	PUNCT
fsr-3529	118	10	financial	financial	ADJ
fsr-3529	118	11	planning	planning	NOUN
fsr-3529	118	12	horizon	horizon	NOUN
fsr-3529	118	13	,	,	PUNCT
fsr-3529	118	14	indicated	indicate	VERB
fsr-3529	118	15	by	by	ADP
fsr-3529	118	16	both	both	DET
fsr-3529	118	17	ols	ol	NOUN
fsr-3529	118	18	and	and	CCONJ
fsr-3529	118	19	the	the	DET
fsr-3529	118	20	ordered	order	VERB
fsr-3529	118	21	probit	probit	NOUN
fsr-3529	118	22	results	result	NOUN
fsr-3529	118	23	.	.	PUNCT
fsr-3529	119	1	everything	everything	PRON
fsr-3529	119	2	else	else	ADV
fsr-3529	119	3	equal	equal	ADJ
fsr-3529	119	4	,	,	PUNCT
fsr-3529	119	5	people	people	NOUN
fsr-3529	119	6	who	who	PRON
fsr-3529	119	7	have	have	VERB
fsr-3529	119	8	more	more	ADJ
fsr-3529	119	9	wealth	wealth	NOUN
fsr-3529	119	10	are	be	AUX
fsr-3529	119	11	more	more	ADV
fsr-3529	119	12	likely	likely	ADJ
fsr-3529	119	13	to	to	PART
fsr-3529	119	14	plan	plan	VERB
fsr-3529	119	15	relatively	relatively	ADV
fsr-3529	119	16	longer	long	ADV
fsr-3529	119	17	into	into	ADP
fsr-3529	119	18	the	the	DET
fsr-3529	119	19	future	future	NOUN
fsr-3529	119	20	.	.	PUNCT
fsr-3529	120	1	retirement	retirement	NOUN
fsr-3529	120	2	status	status	NOUN
fsr-3529	120	3	also	also	ADV
fsr-3529	120	4	stands	stand	VERB
fsr-3529	120	5	out	out	ADP
fsr-3529	120	6	as	as	ADP
fsr-3529	120	7	a	a	DET
fsr-3529	120	8	potential	potential	ADJ
fsr-3529	120	9	factor	factor	NOUN
fsr-3529	120	10	affecting	affect	VERB
fsr-3529	120	11	financial	financial	ADJ
fsr-3529	120	12	planning	planning	NOUN
fsr-3529	120	13	horizon	horizon	NOUN
fsr-3529	120	14	.	.	PUNCT
fsr-3529	121	1	interestingly	interestingly	ADV
fsr-3529	121	2	,	,	PUNCT
fsr-3529	121	3	age	age	NOUN
fsr-3529	121	4	is	be	AUX
fsr-3529	121	5	only	only	ADV
fsr-3529	121	6	a	a	DET
fsr-3529	121	7	marginal	marginal	ADJ
fsr-3529	121	8	significant	significant	ADJ
fsr-3529	121	9	determinant	determinant	NOUN
fsr-3529	121	10	of	of	ADP
fsr-3529	121	11	people	people	NOUN
fsr-3529	121	12	’s	’s	PART
fsr-3529	121	13	financial	financial	ADJ
fsr-3529	121	14	planning	planning	NOUN
fsr-3529	121	15	horizons	horizon	NOUN
fsr-3529	121	16	.	.	PUNCT
fsr-3529	122	1	this	this	DET
fsr-3529	122	2	result	result	NOUN
fsr-3529	122	3	agrees	agree	VERB
fsr-3529	122	4	with	with	ADP
fsr-3529	122	5	the	the	DET
fsr-3529	122	6	findings	finding	NOUN
fsr-3529	122	7	of	of	ADP
fsr-3529	122	8	trostel	trostel	NOUN
fsr-3529	122	9	and	and	CCONJ
fsr-3529	122	10	taylor	taylor	PROPN
fsr-3529	122	11	(	(	PUNCT
fsr-3529	122	12	2001	2001	NUM
fsr-3529	122	13	)	)	PUNCT
fsr-3529	122	14	.	.	PUNCT
fsr-3529	123	1	the	the	DET
fsr-3529	123	2	following	follow	VERB
fsr-3529	123	3	graph	graph	NOUN
fsr-3529	123	4	(	(	PUNCT
fsr-3529	123	5	fig	fig	NOUN
fsr-3529	123	6	.	.	NOUN
fsr-3529	123	7	2	2	X
fsr-3529	123	8	)	)	PUNCT
fsr-3529	123	9	captures	capture	VERB
fsr-3529	123	10	the	the	DET
fsr-3529	123	11	average	average	ADJ
fsr-3529	123	12	financial	financial	ADJ
fsr-3529	123	13	planning	planning	NOUN
fsr-3529	123	14	horizon	horizon	NOUN
fsr-3529	123	15	in	in	ADP
fsr-3529	123	16	each	each	DET
fsr-3529	123	17	age	age	NOUN
fsr-3529	123	18	category	category	NOUN
fsr-3529	123	19	.	.	PUNCT
fsr-3529	124	1	as	as	SCONJ
fsr-3529	124	2	one	one	PRON
fsr-3529	124	3	can	can	AUX
fsr-3529	124	4	see	see	VERB
fsr-3529	124	5	from	from	ADP
fsr-3529	124	6	the	the	DET
fsr-3529	124	7	illustration	illustration	NOUN
fsr-3529	124	8	above	above	ADV
fsr-3529	124	9	,	,	PUNCT
fsr-3529	124	10	the	the	DET
fsr-3529	124	11	average	average	ADJ
fsr-3529	124	12	financial	financial	ADJ
fsr-3529	124	13	planning	planning	NOUN
fsr-3529	124	14	horizons	horizon	NOUN
fsr-3529	124	15	in	in	ADP
fsr-3529	124	16	different	different	ADJ
fsr-3529	124	17	age	age	NOUN
fsr-3529	124	18	groups	group	NOUN
fsr-3529	124	19	do	do	AUX
fsr-3529	124	20	not	not	PART
fsr-3529	124	21	follow	follow	VERB
fsr-3529	124	22	a	a	DET
fsr-3529	124	23	declining	decline	VERB
fsr-3529	124	24	pattern	pattern	NOUN
fsr-3529	124	25	with	with	ADP
fsr-3529	124	26	age	age	NOUN
fsr-3529	124	27	increases	increase	NOUN
fsr-3529	124	28	.	.	PUNCT
fsr-3529	125	1	in	in	ADP
fsr-3529	125	2	other	other	ADJ
fsr-3529	125	3	words	word	NOUN
fsr-3529	125	4	,	,	PUNCT
fsr-3529	125	5	age	age	NOUN
fsr-3529	125	6	is	be	AUX
fsr-3529	125	7	not	not	PART
fsr-3529	125	8	closely	closely	ADV
fsr-3529	125	9	related	relate	VERB
fsr-3529	125	10	to	to	ADP
fsr-3529	125	11	self	self	NOUN
fsr-3529	125	12	-	-	PUNCT
fsr-3529	125	13	reported	report	VERB
fsr-3529	125	14	financial	financial	ADJ
fsr-3529	125	15	planning	planning	NOUN
fsr-3529	125	16	horizon	horizon	NOUN
fsr-3529	125	17	among	among	ADP
fsr-3529	125	18	these	these	DET
fsr-3529	125	19	older	old	ADJ
fsr-3529	125	20	american	american	ADJ
fsr-3529	125	21	adults	adult	NOUN
fsr-3529	125	22	.	.	PUNCT
fsr-3529	126	1	dow	dow	NOUN
fsr-3529	126	2	and	and	CCONJ
fsr-3529	126	3	jin	jin	NOUN
fsr-3529	126	4	(	(	PUNCT
fsr-3529	126	5	2013	2013	NUM
fsr-3529	126	6	)	)	PUNCT
fsr-3529	126	7	also	also	ADV
fsr-3529	126	8	point	point	VERB
fsr-3529	126	9	out	out	ADP
fsr-3529	126	10	that	that	SCONJ
fsr-3529	126	11	age	age	NOUN
fsr-3529	126	12	is	be	AUX
fsr-3529	126	13	not	not	PART
fsr-3529	126	14	a	a	DET
fsr-3529	126	15	primary	primary	ADJ
fsr-3529	126	16	driver	driver	NOUN
fsr-3529	126	17	of	of	ADP
fsr-3529	126	18	an	an	DET
fsr-3529	126	19	individual	individual	NOUN
fsr-3529	126	20	’s	’s	PART
fsr-3529	126	21	financial	financial	ADJ
fsr-3529	126	22	planning	planning	NOUN
fsr-3529	126	23	horizon	horizon	NOUN
fsr-3529	126	24	,	,	PUNCT
fsr-3529	126	25	which	which	PRON
fsr-3529	126	26	agrees	agree	VERB
fsr-3529	126	27	with	with	ADP
fsr-3529	126	28	the	the	DET
fsr-3529	126	29	finding	finding	NOUN
fsr-3529	126	30	of	of	ADP
fsr-3529	126	31	this	this	DET
fsr-3529	126	32	paper	paper	NOUN
fsr-3529	126	33	.	.	PUNCT
fsr-3529	127	1	however	however	ADV
fsr-3529	127	2	,	,	PUNCT
fsr-3529	127	3	this	this	DET
fsr-3529	127	4	study	study	NOUN
fsr-3529	127	5	does	do	AUX
fsr-3529	127	6	not	not	PART
fsr-3529	127	7	support	support	VERB
fsr-3529	127	8	dow	dow	NOUN
fsr-3529	127	9	and	and	CCONJ
fsr-3529	127	10	jin	jin	PROPN
fsr-3529	127	11	’s	’s	PART
fsr-3529	127	12	(	(	PUNCT
fsr-3529	127	13	2013	2013	NUM
fsr-3529	127	14	)	)	PUNCT
fsr-3529	127	15	argument	argument	NOUN
fsr-3529	127	16	,	,	PUNCT
fsr-3529	127	17	which	which	PRON
fsr-3529	127	18	indicates	indicate	VERB
fsr-3529	127	19	that	that	SCONJ
fsr-3529	127	20	“	"	PUNCT
fsr-3529	127	21	life	life	NOUN
fsr-3529	127	22	expectancy	expectancy	NOUN
fsr-3529	127	23	is	be	AUX
fsr-3529	127	24	a	a	DET
fsr-3529	127	25	poor	poor	ADJ
fsr-3529	127	26	predictor	predictor	NOUN
fsr-3529	127	27	of	of	ADP
fsr-3529	127	28	financial	financial	ADJ
fsr-3529	127	29	planning	planning	NOUN
fsr-3529	127	30	horizon	horizon	NOUN
fsr-3529	127	31	.	.	PUNCT
fsr-3529	127	32	”	"	PUNCT
fsr-3529	128	1	instead	instead	ADV
fsr-3529	128	2	,	,	PUNCT
fsr-3529	128	3	robust	robust	ADJ
fsr-3529	128	4	evidence	evidence	NOUN
fsr-3529	128	5	has	have	AUX
fsr-3529	128	6	been	be	AUX
fsr-3529	128	7	provided	provide	VERB
fsr-3529	128	8	by	by	ADP
fsr-3529	128	9	this	this	DET
fsr-3529	128	10	study	study	NOUN
fsr-3529	128	11	supporting	support	VERB
fsr-3529	128	12	the	the	DET
fsr-3529	128	13	hypothesis	hypothesis	NOUN
fsr-3529	128	14	that	that	PRON
fsr-3529	128	15	older	old	ADJ
fsr-3529	128	16	american	american	ADJ
fsr-3529	128	17	adults	adult	NOUN
fsr-3529	128	18	’	’	PART
fsr-3529	128	19	self	self	NOUN
fsr-3529	128	20	-	-	PUNCT
fsr-3529	128	21	perceived	perceive	VERB
fsr-3529	128	22	life	life	NOUN
fsr-3529	128	23	expectancy	expectancy	NOUN
fsr-3529	128	24	affects	affect	VERB
fsr-3529	128	25	their	their	PRON
fsr-3529	128	26	financial	financial	ADJ
fsr-3529	128	27	planning	planning	NOUN
fsr-3529	128	28	horizon	horizon	NOUN
fsr-3529	128	29	positively	positively	ADV
fsr-3529	128	30	and	and	CCONJ
fsr-3529	128	31	significantly	significantly	ADV
fsr-3529	128	32	.	.	PUNCT
fsr-3529	129	1	based	base	VERB
fsr-3529	129	2	on	on	ADP
fsr-3529	129	3	the	the	DET
fsr-3529	129	4	model	model	NOUN
fsr-3529	129	5	of	of	ADP
fsr-3529	129	6	patience	patience	NOUN
fsr-3529	129	7	formation	formation	NOUN
fsr-3529	129	8	from	from	ADP
fsr-3529	129	9	becker	becker	PROPN
fsr-3529	129	10	and	and	CCONJ
fsr-3529	129	11	mulligan	mulligan	PROPN
fsr-3529	129	12	(	(	PUNCT
fsr-3529	129	13	1997	1997	NUM
fsr-3529	129	14	)	)	PUNCT
fsr-3529	129	15	,	,	PUNCT
fsr-3529	129	16	the	the	DET
fsr-3529	129	17	patience	patience	NOUN
fsr-3529	129	18	factor	factor	NOUN
fsr-3529	129	19	,	,	PUNCT
fsr-3529	129	20	which	which	PRON
fsr-3529	129	21	measures	measure	VERB
fsr-3529	129	22	the	the	DET
fsr-3529	129	23	respondents	respondent	NOUN
fsr-3529	129	24	’	’	PART
fsr-3529	129	25	efforts	effort	NOUN
fsr-3529	129	26	and	and	CCONJ
fsr-3529	129	27	time	time	NOUN
fsr-3529	129	28	spent	spend	VERB
fsr-3529	129	29	to	to	PART
fsr-3529	129	30	make	make	VERB
fsr-3529	129	31	long	long	ADJ
fsr-3529	129	32	-	-	PUNCT
fsr-3529	129	33	term	term	NOUN
fsr-3529	129	34	financial	financial	ADJ
fsr-3529	129	35	plans	plan	NOUN
fsr-3529	129	36	in	in	ADP
fsr-3529	129	37	this	this	DET
fsr-3529	129	38	case	case	NOUN
fsr-3529	129	39	,	,	PUNCT
fsr-3529	129	40	should	should	AUX
fsr-3529	129	41	decrease	decrease	VERB
fsr-3529	129	42	later	later	ADV
fsr-3529	129	43	in	in	ADP
fsr-3529	129	44	life	life	NOUN
fsr-3529	129	45	based	base	VERB
fsr-3529	129	46	on	on	ADP
fsr-3529	129	47	life	life	NOUN
fsr-3529	129	48	expectancy	expectancy	NOUN
fsr-3529	129	49	after	after	ADP
fsr-3529	129	50	peaking	peak	VERB
fsr-3529	129	51	around	around	ADP
fsr-3529	129	52	the	the	DET
fsr-3529	129	53	middle	middle	ADJ
fsr-3529	129	54	age	age	NOUN
fsr-3529	129	55	.	.	PUNCT
fsr-3529	130	1	therefore	therefore	ADV
fsr-3529	130	2	,	,	PUNCT
fsr-3529	130	3	self	self	NOUN
fsr-3529	130	4	-	-	PUNCT
fsr-3529	130	5	perceived	perceive	VERB
fsr-3529	130	6	life	life	NOUN
fsr-3529	130	7	expectancy	expectancy	NOUN
fsr-3529	130	8	should	should	AUX
fsr-3529	130	9	affect	affect	VERB
fsr-3529	130	10	financial	financial	ADJ
fsr-3529	130	11	planning	planning	NOUN
fsr-3529	130	12	time	time	NOUN
fsr-3529	130	13	horizon	horizon	NOUN
fsr-3529	130	14	at	at	ADP
fsr-3529	130	15	an	an	DET
fsr-3529	130	16	older	old	ADJ
fsr-3529	130	17	age	age	NOUN
fsr-3529	130	18	when	when	SCONJ
fsr-3529	130	19	the	the	DET
fsr-3529	130	20	life	life	NOUN
fsr-3529	130	21	expectancy	expectancy	NOUN
fsr-3529	130	22	is	be	AUX
fsr-3529	130	23	closer	close	ADJ
fsr-3529	130	24	to	to	ADP
fsr-3529	130	25	the	the	DET
fsr-3529	130	26	financial	financial	ADJ
fsr-3529	130	27	planning	planning	PROPN
fsr-3529	130	28	horizon	horizon	PROPN
fsr-3529	130	29	measurement	measurement	NOUN
fsr-3529	130	30	fig	fig	PROPN
fsr-3529	130	31	.	.	PUNCT
fsr-3529	131	1	1	1	X
fsr-3529	131	2	.	.	X
fsr-3529	131	3	average	average	ADJ
fsr-3529	131	4	life	life	NOUN
fsr-3529	131	5	expectancy	expectancy	NOUN
fsr-3529	131	6	across	across	ADP
fsr-3529	131	7	age	age	NOUN
fsr-3529	131	8	spectrum	spectrum	NOUN
fsr-3529	131	9	.	.	PUNCT
fsr-3529	132	1	z.	z.	PROPN
fsr-3529	132	2	liu	liu	PROPN
fsr-3529	132	3	et	et	PROPN
fsr-3529	132	4	al	al	PROPN
fsr-3529	132	5	.	.	PUNCT
fsr-3529	132	6	/	/	SYM
fsr-3529	132	7	financial	financial	ADJ
fsr-3529	132	8	services	service	NOUN
fsr-3529	132	9	review	review	VERB
fsr-3529	132	10	31	31	NUM
fsr-3529	132	11	(	(	PUNCT
fsr-3529	132	12	2023	2023	NUM
fsr-3529	132	13	)	)	PUNCT
fsr-3529	132	14	107–120	107–120	NUM
fsr-3529	132	15	113	113	NUM
fsr-3529	132	16	zones	zone	NOUN
fsr-3529	132	17	.	.	PUNCT
fsr-3529	133	1	since	since	SCONJ
fsr-3529	133	2	the	the	DET
fsr-3529	133	3	respondents	respondent	NOUN
fsr-3529	133	4	in	in	ADP
fsr-3529	133	5	the	the	DET
fsr-3529	133	6	hrs	hrs	NOUN
fsr-3529	133	7	data	datum	NOUN
fsr-3529	133	8	set	set	VERB
fsr-3529	133	9	are	be	AUX
fsr-3529	133	10	older	old	ADJ
fsr-3529	133	11	american	american	ADJ
fsr-3529	133	12	adults	adult	NOUN
fsr-3529	133	13	,	,	PUNCT
fsr-3529	133	14	one	one	PRON
fsr-3529	133	15	should	should	AUX
fsr-3529	133	16	see	see	VERB
fsr-3529	133	17	a	a	DET
fsr-3529	133	18	significant	significant	ADJ
fsr-3529	133	19	impact	impact	NOUN
fsr-3529	133	20	of	of	ADP
fsr-3529	133	21	subjective	subjective	ADJ
fsr-3529	133	22	longevity	longevity	NOUN
fsr-3529	133	23	on	on	ADP
fsr-3529	133	24	the	the	DET
fsr-3529	133	25	financial	financial	ADJ
fsr-3529	133	26	planning	planning	NOUN
fsr-3529	133	27	horizon	horizon	NOUN
fsr-3529	133	28	.	.	PUNCT
fsr-3529	134	1	5	5	X
fsr-3529	134	2	.	.	X
fsr-3529	134	3	longitudinal	longitudinal	ADJ
fsr-3529	134	4	robustness	robustness	NOUN
fsr-3529	134	5	check	check	NOUN
fsr-3529	134	6	after	after	ADP
fsr-3529	134	7	confirming	confirm	VERB
fsr-3529	134	8	the	the	DET
fsr-3529	134	9	cross	cross	ADJ
fsr-3529	134	10	-	-	ADJ
fsr-3529	134	11	sectional	sectional	ADJ
fsr-3529	134	12	relationship	relationship	NOUN
fsr-3529	134	13	between	between	ADP
fsr-3529	134	14	the	the	DET
fsr-3529	134	15	people	people	NOUN
fsr-3529	134	16	’s	’s	PART
fsr-3529	134	17	financial	financial	ADJ
fsr-3529	134	18	planning	planning	NOUN
fsr-3529	134	19	horizon	horizon	NOUN
fsr-3529	134	20	and	and	CCONJ
fsr-3529	134	21	their	their	PRON
fsr-3529	134	22	self	self	NOUN
fsr-3529	134	23	-	-	PUNCT
fsr-3529	134	24	perceived	perceive	VERB
fsr-3529	134	25	life	life	NOUN
fsr-3529	134	26	expectancy	expectancy	NOUN
fsr-3529	134	27	,	,	PUNCT
fsr-3529	134	28	the	the	DET
fsr-3529	134	29	next	next	ADJ
fsr-3529	134	30	step	step	NOUN
fsr-3529	134	31	is	be	AUX
fsr-3529	134	32	to	to	PART
fsr-3529	134	33	check	check	VERB
fsr-3529	134	34	whether	whether	SCONJ
fsr-3529	134	35	this	this	DET
fsr-3529	134	36	relationship	relationship	NOUN
fsr-3529	134	37	persists	persist	VERB
fsr-3529	134	38	with	with	ADP
fsr-3529	134	39	the	the	DET
fsr-3529	134	40	same	same	ADJ
fsr-3529	134	41	individual	individual	NOUN
fsr-3529	134	42	over	over	ADP
fsr-3529	134	43	time	time	NOUN
fsr-3529	134	44	.	.	PUNCT
fsr-3529	135	1	as	as	SCONJ
fsr-3529	135	2	fig	fig	NOUN
fsr-3529	135	3	.	.	PUNCT
fsr-3529	135	4	3	3	NUM
fsr-3529	135	5	indicates	indicate	VERB
fsr-3529	135	6	,	,	PUNCT
fsr-3529	135	7	the	the	DET
fsr-3529	135	8	average	average	ADJ
fsr-3529	135	9	values	value	NOUN
fsr-3529	135	10	of	of	ADP
fsr-3529	135	11	the	the	DET
fsr-3529	135	12	respondent	respondent	NOUN
fsr-3529	135	13	’s	’s	PART
fsr-3529	135	14	self	self	NOUN
fsr-3529	135	15	-	-	PUNCT
fsr-3529	135	16	perceived	perceive	VERB
fsr-3529	135	17	life	life	NOUN
fsr-3529	135	18	expectancies	expectancy	NOUN
fsr-3529	135	19	do	do	AUX
fsr-3529	135	20	not	not	PART
fsr-3529	135	21	vary	vary	VERB
fsr-3529	135	22	significantly	significantly	ADV
fsr-3529	135	23	across	across	ADP
fsr-3529	135	24	different	different	ADJ
fsr-3529	135	25	hrs	hrs	NOUN
fsr-3529	135	26	sample	sample	NOUN
fsr-3529	135	27	waves	wave	NOUN
fsr-3529	135	28	from	from	ADP
fsr-3529	135	29	the	the	DET
fsr-3529	135	30	year	year	NOUN
fsr-3529	135	31	2000	2000	NUM
fsr-3529	135	32	to	to	ADP
fsr-3529	135	33	the	the	DET
fsr-3529	135	34	year	year	NOUN
fsr-3529	135	35	2018	2018	NUM
fsr-3529	135	36	.	.	PUNCT
fsr-3529	136	1	this	this	DET
fsr-3529	136	2	figure	figure	NOUN
fsr-3529	136	3	demonstrates	demonstrate	VERB
fsr-3529	136	4	the	the	DET
fsr-3529	136	5	consistency	consistency	NOUN
fsr-3529	136	6	of	of	ADP
fsr-3529	136	7	our	our	PRON
fsr-3529	136	8	different	different	ADJ
fsr-3529	136	9	sample	sample	NOUN
fsr-3529	136	10	waves	wave	NOUN
fsr-3529	136	11	.	.	PUNCT
fsr-3529	137	1	table	table	NOUN
fsr-3529	137	2	4	4	NUM
fsr-3529	137	3	shows	show	VERB
fsr-3529	137	4	the	the	DET
fsr-3529	137	5	fixed	fix	VERB
fsr-3529	137	6	-	-	PUNCT
fsr-3529	137	7	effect	effect	NOUN
fsr-3529	137	8	longitudinal	longitudinal	ADJ
fsr-3529	137	9	analyses	analysis	NOUN
fsr-3529	137	10	and	and	CCONJ
fsr-3529	137	11	table	table	NOUN
fsr-3529	137	12	5	5	NUM
fsr-3529	137	13	shows	show	VERB
fsr-3529	137	14	random	random	ADJ
fsr-3529	137	15	-	-	PUNCT
fsr-3529	137	16	effect	effect	NOUN
fsr-3529	137	17	longitudinal	longitudinal	ADJ
fsr-3529	137	18	analyses	analysis	NOUN
fsr-3529	137	19	from	from	ADP
fsr-3529	137	20	the	the	DET
fsr-3529	137	21	year	year	NOUN
fsr-3529	137	22	2000	2000	NUM
fsr-3529	137	23	to	to	ADP
fsr-3529	137	24	2018	2018	NUM
fsr-3529	137	25	.	.	PUNCT
fsr-3529	138	1	notice	notice	VERB
fsr-3529	138	2	that	that	SCONJ
fsr-3529	138	3	the	the	DET
fsr-3529	138	4	control	control	NOUN
fsr-3529	138	5	variables	variable	NOUN
fsr-3529	138	6	that	that	PRON
fsr-3529	138	7	do	do	AUX
fsr-3529	138	8	not	not	PART
fsr-3529	138	9	vary	vary	VERB
fsr-3529	138	10	over	over	ADP
fsr-3529	138	11	time	time	NOUN
fsr-3529	138	12	for	for	ADP
fsr-3529	138	13	our	our	PRON
fsr-3529	138	14	respondent	respondent	NOUN
fsr-3529	138	15	sample	sample	NOUN
fsr-3529	138	16	(	(	PUNCT
fsr-3529	138	17	such	such	ADJ
fsr-3529	138	18	as	as	ADP
fsr-3529	138	19	race	race	NOUN
fsr-3529	138	20	,	,	PUNCT
fsr-3529	138	21	gender	gender	NOUN
fsr-3529	138	22	,	,	PUNCT
fsr-3529	138	23	years	year	NOUN
fsr-3529	138	24	of	of	ADP
fsr-3529	138	25	education	education	NOUN
fsr-3529	138	26	,	,	PUNCT
fsr-3529	138	27	etc	etc	X
fsr-3529	138	28	.	.	X
fsr-3529	138	29	)	)	PUNCT
fsr-3529	138	30	are	be	AUX
fsr-3529	138	31	excluded	exclude	VERB
fsr-3529	138	32	from	from	ADP
fsr-3529	138	33	the	the	DET
fsr-3529	138	34	longitudinal	longitudinal	ADJ
fsr-3529	138	35	regression	regression	NOUN
fsr-3529	138	36	analyses	analysis	NOUN
fsr-3529	138	37	.	.	PUNCT
fsr-3529	139	1	table	table	NOUN
fsr-3529	139	2	3	3	NUM
fsr-3529	139	3	ols	ol	NOUN
fsr-3529	139	4	regression	regression	NOUN
fsr-3529	139	5	results	result	NOUN
fsr-3529	139	6	on	on	ADP
fsr-3529	139	7	financial	financial	ADJ
fsr-3529	139	8	planning	planning	NOUN
fsr-3529	139	9	horizon	horizon	NOUN
fsr-3529	139	10	variables	variable	VERB
fsr-3529	139	11	coefficients	coefficient	NOUN
fsr-3529	139	12	coefficients	coefficient	NOUN
fsr-3529	139	13	(	(	PUNCT
fsr-3529	139	14	“	"	PUNCT
fsr-3529	139	15	years	year	NOUN
fsr-3529	139	16	to	to	PART
fsr-3529	139	17	live	live	VERB
fsr-3529	139	18	”	"	PUNCT
fsr-3529	139	19	variable	variable	NOUN
fsr-3529	139	20	omitted	omit	VERB
fsr-3529	139	21	)	)	PUNCT
fsr-3529	139	22	years	year	NOUN
fsr-3529	139	23	to	to	PART
fsr-3529	139	24	live	live	VERB
fsr-3529	139	25	(	(	PUNCT
fsr-3529	139	26	constructed	construct	VERB
fsr-3529	139	27	variable	variable	NOUN
fsr-3529	139	28	measuring	measure	VERB
fsr-3529	139	29	self	self	NOUN
fsr-3529	139	30	-	-	PUNCT
fsr-3529	139	31	perceived	perceive	VERB
fsr-3529	139	32	life	life	NOUN
fsr-3529	139	33	expectancy	expectancy	NOUN
fsr-3529	139	34	)	)	PUNCT
fsr-3529	139	35	0.0195	0.0195	NUM
fsr-3529	139	36	*	*	PUNCT
fsr-3529	139	37	*	*	PUNCT
fsr-3529	139	38	*	*	PUNCT
fsr-3529	139	39	(	(	PUNCT
fsr-3529	139	40	0.0040	0.0040	NUM
fsr-3529	139	41	)	)	PUNCT
fsr-3529	139	42	male	male	NOUN
fsr-3529	139	43	0.0228	0.0228	NUM
fsr-3529	139	44	0.0005	0.0005	NUM
fsr-3529	139	45	(	(	PUNCT
fsr-3529	139	46	male	male	ADJ
fsr-3529	139	47	¼	¼	NOUN
fsr-3529	139	48	1	1	NUM
fsr-3529	139	49	;	;	PUNCT
fsr-3529	139	50	female	female	ADJ
fsr-3529	139	51	¼	¼	NOUN
fsr-3529	139	52	0	0	NUM
fsr-3529	139	53	)	)	PUNCT
fsr-3529	139	54	(	(	PUNCT
fsr-3529	139	55	0.0358	0.0358	NUM
fsr-3529	139	56	)	)	PUNCT
fsr-3529	139	57	(	(	PUNCT
fsr-3529	139	58	0.0357	0.0357	NUM
fsr-3529	139	59	)	)	PUNCT
fsr-3529	139	60	age	age	NOUN
fsr-3529	139	61	$	$	SYM
fsr-3529	139	62	0.0047	0.0047	NUM
fsr-3529	139	63	$	$	SYM
fsr-3529	139	64	0.0115	0.0115	NUM
fsr-3529	139	65	*	*	PUNCT
fsr-3529	139	66	*	*	PUNCT
fsr-3529	139	67	*	*	PUNCT
fsr-3529	139	68	(	(	PUNCT
fsr-3529	139	69	0.0025	0.0025	NUM
fsr-3529	139	70	)	)	PUNCT
fsr-3529	139	71	(	(	PUNCT
fsr-3529	139	72	0.0023	0.0023	NUM
fsr-3529	139	73	)	)	PUNCT
fsr-3529	139	74	black	black	ADJ
fsr-3529	139	75	race	race	NOUN
fsr-3529	139	76	(	(	PUNCT
fsr-3529	139	77	white	white	ADJ
fsr-3529	139	78	¼	¼	NOUN
fsr-3529	139	79	0	0	NUM
fsr-3529	139	80	;	;	PUNCT
fsr-3529	139	81	black	black	ADJ
fsr-3529	139	82	¼	¼	NOUN
fsr-3529	139	83	1	1	NUM
fsr-3529	139	84	;	;	PUNCT
fsr-3529	139	85	else	else	ADV
fsr-3529	139	86	¼	¼	NOUN
fsr-3529	139	87	0	0	NUM
fsr-3529	139	88	)	)	PUNCT
fsr-3529	139	89	$	$	SYM
fsr-3529	139	90	0.2500	0.2500	NUM
fsr-3529	139	91	*	*	PUNCT
fsr-3529	139	92	*	*	PUNCT
fsr-3529	139	93	*	*	PUNCT
fsr-3529	139	94	(	(	PUNCT
fsr-3529	139	95	0.0709	0.0709	NUM
fsr-3529	139	96	)	)	PUNCT
fsr-3529	139	97	$	$	SYM
fsr-3529	139	98	0.2488	0.2488	NUM
fsr-3529	139	99	*	*	PUNCT
fsr-3529	139	100	*	*	PUNCT
fsr-3529	139	101	(	(	PUNCT
fsr-3529	139	102	0.0730	0.0730	NUM
fsr-3529	139	103	)	)	PUNCT
fsr-3529	139	104	other	other	ADJ
fsr-3529	139	105	race	race	NOUN
fsr-3529	139	106	(	(	PUNCT
fsr-3529	139	107	white	white	ADJ
fsr-3529	139	108	¼	¼	NOUN
fsr-3529	139	109	0	0	NUM
fsr-3529	139	110	;	;	PUNCT
fsr-3529	139	111	black	black	ADJ
fsr-3529	139	112	¼	¼	NOUN
fsr-3529	139	113	0	0	NUM
fsr-3529	139	114	;	;	PUNCT
fsr-3529	139	115	else	else	X
fsr-3529	139	116	¼	¼	NOUN
fsr-3529	139	117	1	1	NUM
fsr-3529	139	118	)	)	PUNCT
fsr-3529	139	119	$	$	SYM
fsr-3529	139	120	0.0794	0.0794	NUM
fsr-3529	139	121	(	(	PUNCT
fsr-3529	139	122	0.0744	0.0744	NUM
fsr-3529	139	123	)	)	PUNCT
fsr-3529	139	124	$	$	SYM
fsr-3529	139	125	0.1288	0.1288	NUM
fsr-3529	139	126	(	(	PUNCT
fsr-3529	139	127	0.0725	0.0725	NUM
fsr-3529	139	128	)	)	PUNCT
fsr-3529	139	129	married	married	ADJ
fsr-3529	139	130	(	(	PUNCT
fsr-3529	139	131	married	marry	VERB
fsr-3529	139	132	¼	¼	NOUN
fsr-3529	139	133	1	1	NUM
fsr-3529	139	134	;	;	PUNCT
fsr-3529	139	135	else	else	ADV
fsr-3529	139	136	¼	¼	NOUN
fsr-3529	139	137	0	0	NUM
fsr-3529	139	138	)	)	PUNCT
fsr-3529	139	139	0.1264	0.1264	NUM
fsr-3529	139	140	*	*	SYM
fsr-3529	139	141	*	*	PUNCT
fsr-3529	139	142	(	(	PUNCT
fsr-3529	139	143	0.0399	0.0399	NUM
fsr-3529	139	144	)	)	PUNCT
fsr-3529	139	145	0.1437	0.1437	NUM
fsr-3529	139	146	*	*	PUNCT
fsr-3529	139	147	*	*	PUNCT
fsr-3529	139	148	*	*	PUNCT
fsr-3529	139	149	(	(	PUNCT
fsr-3529	139	150	0.0389	0.0389	NUM
fsr-3529	139	151	)	)	PUNCT
fsr-3529	139	152	presence	presence	NOUN
fsr-3529	139	153	of	of	ADP
fsr-3529	139	154	child	child	NOUN
fsr-3529	139	155	(	(	PUNCT
fsr-3529	139	156	have	have	AUX
fsr-3529	139	157	children	child	NOUN
fsr-3529	139	158	¼	¼	NOUN
fsr-3529	139	159	1	1	NUM
fsr-3529	139	160	;	;	PUNCT
fsr-3529	139	161	no	no	DET
fsr-3529	139	162	children	child	NOUN
fsr-3529	139	163	¼	¼	NOUN
fsr-3529	139	164	0	0	NUM
fsr-3529	139	165	)	)	PUNCT
fsr-3529	139	166	$	$	SYM
fsr-3529	139	167	0.0752	0.0752	NUM
fsr-3529	139	168	(	(	PUNCT
fsr-3529	139	169	0.0679	0.0679	NUM
fsr-3529	139	170	)	)	PUNCT
fsr-3529	139	171	$	$	SYM
fsr-3529	139	172	0.0634	0.0634	NUM
fsr-3529	139	173	(	(	PUNCT
fsr-3529	139	174	0.0637	0.0637	NUM
fsr-3529	139	175	)	)	PUNCT
fsr-3529	139	176	retired	retire	VERB
fsr-3529	139	177	(	(	PUNCT
fsr-3529	139	178	retired	retire	VERB
fsr-3529	139	179	¼	¼	NOUN
fsr-3529	139	180	1	1	NUM
fsr-3529	139	181	;	;	PUNCT
fsr-3529	139	182	else	else	ADV
fsr-3529	139	183	¼	¼	NOUN
fsr-3529	139	184	0	0	NUM
fsr-3529	139	185	)	)	PUNCT
fsr-3529	139	186	0.1063	0.1063	NUM
fsr-3529	139	187	*	*	PUNCT
fsr-3529	139	188	*	*	PUNCT
fsr-3529	139	189	(	(	PUNCT
fsr-3529	139	190	0.0326	0.0326	NUM
fsr-3529	139	191	)	)	PUNCT
fsr-3529	139	192	0.1005	0.1005	NUM
fsr-3529	139	193	*	*	PUNCT
fsr-3529	139	194	*	*	PUNCT
fsr-3529	139	195	(	(	PUNCT
fsr-3529	139	196	0.0327	0.0327	NUM
fsr-3529	139	197	)	)	PUNCT
fsr-3529	139	198	years	year	NOUN
fsr-3529	139	199	of	of	ADP
fsr-3529	139	200	education	education	NOUN
fsr-3529	139	201	0.0004	0.0004	NUM
fsr-3529	139	202	(	(	PUNCT
fsr-3529	139	203	0.0063	0.0063	NUM
fsr-3529	139	204	)	)	PUNCT
fsr-3529	139	205	0.0069	0.0069	NUM
fsr-3529	139	206	(	(	PUNCT
fsr-3529	139	207	0.0061	0.0061	NUM
fsr-3529	139	208	)	)	PUNCT
fsr-3529	139	209	cancer	cancer	NOUN
fsr-3529	139	210	(	(	PUNCT
fsr-3529	139	211	have	have	AUX
fsr-3529	139	212	cancer	cancer	NOUN
fsr-3529	139	213	(	(	PUNCT
fsr-3529	139	214	excluding	exclude	VERB
fsr-3529	139	215	skin	skin	NOUN
fsr-3529	139	216	)	)	PUNCT
fsr-3529	139	217	¼	¼	NOUN
fsr-3529	139	218	1	1	NUM
fsr-3529	139	219	;	;	PUNCT
fsr-3529	139	220	else	else	ADV
fsr-3529	139	221	¼	¼	NOUN
fsr-3529	139	222	0	0	NUM
fsr-3529	139	223	)	)	PUNCT
fsr-3529	139	224	$	$	SYM
fsr-3529	139	225	0.0045	0.0045	NUM
fsr-3529	139	226	(	(	PUNCT
fsr-3529	139	227	0.0463	0.0463	NUM
fsr-3529	139	228	)	)	PUNCT
fsr-3529	139	229	$	$	SYM
fsr-3529	139	230	0.0286	0.0286	NUM
fsr-3529	139	231	(	(	PUNCT
fsr-3529	139	232	0.0450	0.0450	NUM
fsr-3529	139	233	)	)	PUNCT
fsr-3529	139	234	heart	heart	NOUN
fsr-3529	139	235	condition	condition	NOUN
fsr-3529	139	236	(	(	PUNCT
fsr-3529	139	237	diagnosed	diagnose	VERB
fsr-3529	139	238	with	with	ADP
fsr-3529	139	239	heart	heart	NOUN
fsr-3529	139	240	condition	condition	NOUN
fsr-3529	139	241	¼	¼	NOUN
fsr-3529	139	242	1	1	NUM
fsr-3529	139	243	;	;	PUNCT
fsr-3529	139	244	else	else	ADV
fsr-3529	139	245	¼	¼	NOUN
fsr-3529	139	246	0	0	NUM
fsr-3529	139	247	)	)	PUNCT
fsr-3529	139	248	$	$	SYM
fsr-3529	139	249	0.0585	0.0585	NUM
fsr-3529	139	250	(	(	PUNCT
fsr-3529	139	251	0.0390	0.0390	NUM
fsr-3529	139	252	)	)	PUNCT
fsr-3529	139	253	$	$	SYM
fsr-3529	139	254	0.0828	0.0828	NUM
fsr-3529	139	255	*	*	PUNCT
fsr-3529	139	256	(	(	PUNCT
fsr-3529	139	257	0.0403	0.0403	NUM
fsr-3529	139	258	)	)	PUNCT
fsr-3529	139	259	wealth	wealth	NOUN
fsr-3529	139	260	(	(	PUNCT
fsr-3529	139	261	natural	natural	ADJ
fsr-3529	139	262	logarithm	logarithm	NOUN
fsr-3529	139	263	of	of	ADP
fsr-3529	139	264	total	total	ADJ
fsr-3529	139	265	wealth	wealth	NOUN
fsr-3529	139	266	)	)	PUNCT
fsr-3529	139	267	0.1033	0.1033	NUM
fsr-3529	139	268	*	*	PUNCT
fsr-3529	139	269	*	*	PUNCT
fsr-3529	139	270	*	*	PUNCT
fsr-3529	139	271	(	(	PUNCT
fsr-3529	139	272	0.0152	0.0152	NUM
fsr-3529	139	273	)	)	PUNCT
fsr-3529	139	274	0.1083	0.1083	NUM
fsr-3529	139	275	*	*	PUNCT
fsr-3529	139	276	*	*	PUNCT
fsr-3529	139	277	*	*	PUNCT
fsr-3529	139	278	(	(	PUNCT
fsr-3529	139	279	0.0144	0.0144	NUM
fsr-3529	139	280	)	)	PUNCT
fsr-3529	139	281	notes	note	NOUN
fsr-3529	139	282	.	.	PUNCT
fsr-3529	140	1	the	the	DET
fsr-3529	140	2	number	number	NOUN
fsr-3529	140	3	of	of	ADP
fsr-3529	140	4	observations	observation	NOUN
fsr-3529	140	5	is	be	AUX
fsr-3529	140	6	11,433	11,433	NUM
fsr-3529	140	7	for	for	ADP
fsr-3529	140	8	the	the	DET
fsr-3529	140	9	ols	ol	NOUN
fsr-3529	140	10	regression	regression	NOUN
fsr-3529	140	11	,	,	PUNCT
fsr-3529	140	12	including	include	VERB
fsr-3529	140	13	all	all	DET
fsr-3529	140	14	the	the	DET
fsr-3529	140	15	variables	variable	NOUN
fsr-3529	140	16	listed	list	VERB
fsr-3529	140	17	above	above	ADV
fsr-3529	140	18	.	.	PUNCT
fsr-3529	141	1	the	the	DET
fsr-3529	141	2	number	number	NOUN
fsr-3529	141	3	of	of	ADP
fsr-3529	141	4	observations	observation	NOUN
fsr-3529	141	5	is	be	AUX
fsr-3529	141	6	11,826	11,826	NUM
fsr-3529	141	7	for	for	ADP
fsr-3529	141	8	the	the	DET
fsr-3529	141	9	ols	ol	NOUN
fsr-3529	141	10	regression	regression	NOUN
fsr-3529	141	11	without	without	ADP
fsr-3529	141	12	the	the	DET
fsr-3529	141	13	“	"	PUNCT
fsr-3529	141	14	years	year	NOUN
fsr-3529	141	15	to	to	PART
fsr-3529	141	16	live	live	VERB
fsr-3529	141	17	”	"	PUNCT
fsr-3529	141	18	variable	variable	NOUN
fsr-3529	141	19	.	.	PUNCT
fsr-3529	142	1	respondentlevel	respondentlevel	NOUN
fsr-3529	142	2	ample	ample	ADJ
fsr-3529	142	3	weights	weight	NOUN
fsr-3529	142	4	are	be	AUX
fsr-3529	142	5	applied	apply	VERB
fsr-3529	142	6	.	.	PUNCT
fsr-3529	143	1	standard	standard	ADJ
fsr-3529	143	2	errors	error	NOUN
fsr-3529	143	3	are	be	AUX
fsr-3529	143	4	reported	report	VERB
fsr-3529	143	5	in	in	ADP
fsr-3529	143	6	parentheses	parenthesis	NOUN
fsr-3529	143	7	.	.	PUNCT
fsr-3529	144	1	*	*	PUNCT
fsr-3529	144	2	*	*	PUNCT
fsr-3529	144	3	*	*	ADJ
fsr-3529	144	4	statistically	statistically	ADV
fsr-3529	144	5	significant	significant	ADJ
fsr-3529	144	6	at	at	ADP
fsr-3529	144	7	0.1percent	0.1percent	NUM
fsr-3529	144	8	level	level	NOUN
fsr-3529	144	9	.	.	PUNCT
fsr-3529	145	1	*	*	PUNCT
fsr-3529	145	2	*	*	PUNCT
fsr-3529	145	3	statistically	statistically	ADV
fsr-3529	145	4	significant	significant	ADJ
fsr-3529	145	5	at	at	ADP
fsr-3529	145	6	1percent	1percent	NUM
fsr-3529	145	7	level	level	NOUN
fsr-3529	145	8	.	.	PUNCT
fsr-3529	146	1	*	*	PUNCT
fsr-3529	146	2	statistically	statistically	ADV
fsr-3529	146	3	significant	significant	ADJ
fsr-3529	146	4	at	at	ADP
fsr-3529	146	5	5percent	5percent	NUM
fsr-3529	146	6	level	level	NOUN
fsr-3529	146	7	.	.	PUNCT
fsr-3529	147	1	114	114	NUM
fsr-3529	147	2	z.	z.	PROPN
fsr-3529	147	3	liu	liu	PROPN
fsr-3529	147	4	et	et	PROPN
fsr-3529	147	5	al	al	PROPN
fsr-3529	147	6	.	.	PUNCT
fsr-3529	147	7	/	/	SYM
fsr-3529	147	8	financial	financial	ADJ
fsr-3529	147	9	services	service	NOUN
fsr-3529	147	10	review	review	VERB
fsr-3529	147	11	31	31	NUM
fsr-3529	147	12	(	(	PUNCT
fsr-3529	147	13	2023	2023	NUM
fsr-3529	147	14	)	)	PUNCT
fsr-3529	147	15	107–120	107–120	NUM
fsr-3529	147	16	t	t	PROPN
fsr-3529	147	17	ab	ab	PROPN
fsr-3529	147	18	le	le	PROPN
fsr-3529	147	19	4	4	NUM
fsr-3529	147	20	a	a	DET
fsr-3529	147	21	v	v	INTJ
fsr-3529	147	22	er	er	INTJ
fsr-3529	147	23	ag	ag	PROPN
fsr-3529	147	24	e	e	PROPN
fsr-3529	147	25	m	m	PROPN
fsr-3529	147	26	ar	ar	PROPN
fsr-3529	147	27	g	g	PROPN
fsr-3529	147	28	in	in	ADP
fsr-3529	147	29	al	al	PROPN
fsr-3529	147	30	ef	ef	PROPN
fsr-3529	147	31	fe	fe	PROPN
fsr-3529	148	1	ct	ct	NUM
fsr-3529	148	2	o	o	X
fsr-3529	148	3	f	f	X
fsr-3529	148	4	th	th	X
fsr-3529	148	5	e	e	X
fsr-3529	148	6	o	o	X
fsr-3529	148	7	rd	rd	NOUN
fsr-3529	148	8	er	er	INTJ
fsr-3529	148	9	ed	ed	NOUN
fsr-3529	148	10	p	p	PROPN
fsr-3529	148	11	ro	ro	PROPN
fsr-3529	148	12	b	b	X
fsr-3529	148	13	it	it	PRON
fsr-3529	148	14	re	re	ADP
fsr-3529	148	15	g	g	PROPN
fsr-3529	148	16	re	re	ADP
fsr-3529	148	17	ss	ss	PROPN
fsr-3529	148	18	io	io	PROPN
fsr-3529	148	19	n	n	PROPN
fsr-3529	148	20	re	re	PROPN
fsr-3529	148	21	su	su	PROPN
fsr-3529	149	1	lt	lt	PROPN
fsr-3529	149	2	s	s	PROPN
fsr-3529	149	3	v	v	PROPN
fsr-3529	149	4	ar	ar	PROPN
fsr-3529	149	5	ia	ia	PROPN
fsr-3529	149	6	b	b	PROPN
fsr-3529	149	7	le	le	PROPN
fsr-3529	149	8	s	s	PROPN
fsr-3529	149	9	a	a	DET
fsr-3529	149	10	v	v	INTJ
fsr-3529	149	11	er	er	INTJ
fsr-3529	149	12	ag	ag	PROPN
fsr-3529	149	13	e	e	PROPN
fsr-3529	149	14	m	m	PROPN
fsr-3529	149	15	ar	ar	PROPN
fsr-3529	149	16	g	g	PROPN
fsr-3529	149	17	in	in	ADP
fsr-3529	149	18	al	al	PROPN
fsr-3529	149	19	ef	ef	PROPN
fsr-3529	149	20	fe	fe	X
fsr-3529	150	1	ct	ct	PROPN
fsr-3529	150	2	s	s	PROPN
fsr-3529	150	3	f	f	X
fsr-3529	150	4	in	in	ADP
fsr-3529	150	5	an	an	DET
fsr-3529	150	6	ci	ci	NOUN
fsr-3529	150	7	al	al	PROPN
fsr-3529	150	8	p	p	PROPN
fsr-3529	150	9	la	la	PROPN
fsr-3529	150	10	n	n	CCONJ
fsr-3529	150	11	n	n	NOUN
fsr-3529	150	12	in	in	ADP
fsr-3529	150	13	g	g	PROPN
fsr-3529	150	14	h	h	NOUN
fsr-3529	151	1	o	o	X
fsr-3529	151	2	ri	ri	PROPN
fsr-3529	151	3	zo	zo	PROPN
fsr-3529	151	4	n	n	CCONJ
fsr-3529	151	5	n	n	PROPN
fsr-3529	151	6	ex	ex	ADJ
fsr-3529	151	7	t	t	PROPN
fsr-3529	151	8	fe	fe	X
fsr-3529	152	1	w	w	PROPN
fsr-3529	152	2	m	m	PROPN
fsr-3529	152	3	o	o	NOUN
fsr-3529	153	1	n	n	PRON
fsr-3529	153	2	th	th	X
fsr-3529	153	3	s	s	X
fsr-3529	153	4	n	n	PRON
fsr-3529	153	5	ex	ex	ADJ
fsr-3529	153	6	t	t	NOUN
fsr-3529	153	7	y	y	PROPN
fsr-3529	153	8	ea	ea	PROPN
fsr-3529	154	1	r	r	PROPN
fsr-3529	154	2	n	n	PROPN
fsr-3529	154	3	ex	ex	NOUN
fsr-3529	154	4	t	t	PROPN
fsr-3529	154	5	fe	fe	X
fsr-3529	154	6	w	w	PROPN
fsr-3529	154	7	y	y	PROPN
fsr-3529	154	8	ea	ea	PROPN
fsr-3529	154	9	rs	rs	PROPN
fsr-3529	155	1	n	n	ADV
fsr-3529	155	2	ex	ex	ADJ
fsr-3529	155	3	t	t	PROPN
fsr-3529	155	4	5	5	NUM
fsr-3529	155	5	–	–	SYM
fsr-3529	155	6	1	1	NUM
fsr-3529	155	7	0	0	NUM
fsr-3529	155	8	y	y	PROPN
fsr-3529	155	9	ea	ea	PROPN
fsr-3529	155	10	rs	rs	X
fsr-3529	155	11	l	l	NOUN
fsr-3529	155	12	o	o	NOUN
fsr-3529	155	13	n	n	CCONJ
fsr-3529	155	14	g	g	NOUN
fsr-3529	155	15	er	er	INTJ
fsr-3529	155	16	th	th	X
fsr-3529	155	17	an	an	DET
fsr-3529	155	18	1	1	NUM
fsr-3529	155	19	0	0	NUM
fsr-3529	155	20	y	y	PROPN
fsr-3529	155	21	ea	ea	PROPN
fsr-3529	155	22	rs	rs	INTJ
fsr-3529	155	23	t	t	PROPN
fsr-3529	155	24	h	h	NOUN
fsr-3529	155	25	re	re	VERB
fsr-3529	156	1	sh	sh	INTJ
fsr-3529	156	2	o	o	PROPN
fsr-3529	156	3	ld	ld	PROPN
fsr-3529	156	4	p	p	PROPN
fsr-3529	156	5	ar	ar	PROPN
fsr-3529	156	6	am	be	AUX
fsr-3529	156	7	et	et	NOUN
fsr-3529	156	8	er	er	INTJ
fsr-3529	156	9	s	s	PROPN
fsr-3529	156	10	1	1	NUM
fsr-3529	156	11	2	2	NUM
fsr-3529	156	12	3	3	NUM
fsr-3529	156	13	4	4	NUM
fsr-3529	156	14	5	5	NUM
fsr-3529	156	15	y	y	PROPN
fsr-3529	156	16	ea	ea	NOUN
fsr-3529	156	17	rs	rs	VERB
fsr-3529	156	18	to	to	ADP
fsr-3529	156	19	li	li	PROPN
fsr-3529	156	20	v	v	ADP
fsr-3529	156	21	e	e	PROPN
fsr-3529	156	22	$	$	SYM
fsr-3529	156	23	0	0	NUM
fsr-3529	156	24	.0	.0	NUM
fsr-3529	156	25	0	0	NUM
fsr-3529	157	1	33	33	NUM
fsr-3529	157	2	*	*	PUNCT
fsr-3529	158	1	*	*	PUNCT
fsr-3529	158	2	*	*	PUNCT
fsr-3529	158	3	$	$	SYM
fsr-3529	158	4	0	0	NUM
fsr-3529	158	5	.0	.0	NUM
fsr-3529	158	6	0	0	NUM
fsr-3529	158	7	2	2	NUM
fsr-3529	158	8	1	1	NUM
fsr-3529	158	9	*	*	PUNCT
fsr-3529	158	10	*	*	PUNCT
fsr-3529	158	11	*	*	PUNCT
fsr-3529	159	1	$	$	SYM
fsr-3529	159	2	0	0	NUM
fsr-3529	159	3	.0	.0	NUM
fsr-3529	159	4	0	0	NUM
fsr-3529	159	5	2	2	NUM
fsr-3529	159	6	1	1	NUM
fsr-3529	159	7	*	*	PUNCT
fsr-3529	159	8	*	*	PUNCT
fsr-3529	160	1	*	*	PUNCT
fsr-3529	160	2	0	0	NUM
fsr-3529	161	1	.0	.0	NUM
fsr-3529	161	2	0	0	NUM
fsr-3529	161	3	2	2	NUM
fsr-3529	161	4	9	9	NUM
fsr-3529	161	5	*	*	PUNCT
fsr-3529	161	6	*	*	PUNCT
fsr-3529	161	7	*	*	PUNCT
fsr-3529	161	8	0	0	NUM
fsr-3529	162	1	.0	.0	NUM
fsr-3529	162	2	0	0	NUM
fsr-3529	162	3	4	4	NUM
fsr-3529	162	4	5	5	NUM
fsr-3529	162	5	*	*	PUNCT
fsr-3529	163	1	*	*	PUNCT
fsr-3529	163	2	*	*	PUNCT
fsr-3529	163	3	(	(	PUNCT
fsr-3529	163	4	0	0	NUM
fsr-3529	163	5	.0	.0	NUM
fsr-3529	163	6	0	0	NUM
fsr-3529	163	7	06	06	NUM
fsr-3529	163	8	)	)	PUNCT
fsr-3529	163	9	(	(	PUNCT
fsr-3529	163	10	0	0	NUM
fsr-3529	163	11	.0	.0	NUM
fsr-3529	163	12	0	0	NUM
fsr-3529	163	13	04	04	NUM
fsr-3529	163	14	)	)	PUNCT
fsr-3529	163	15	(	(	PUNCT
fsr-3529	163	16	0	0	NUM
fsr-3529	163	17	.0	.0	NUM
fsr-3529	163	18	0	0	NUM
fsr-3529	163	19	0	0	NUM
fsr-3529	163	20	4	4	NUM
fsr-3529	163	21	)	)	PUNCT
fsr-3529	163	22	(	(	PUNCT
fsr-3529	163	23	0	0	NUM
fsr-3529	163	24	.0	.0	NUM
fsr-3529	163	25	0	0	NUM
fsr-3529	163	26	0	0	NUM
fsr-3529	163	27	6	6	NUM
fsr-3529	163	28	)	)	PUNCT
fsr-3529	163	29	(	(	PUNCT
fsr-3529	163	30	0	0	NUM
fsr-3529	163	31	.0	.0	NUM
fsr-3529	163	32	0	0	NUM
fsr-3529	163	33	09	09	NUM
fsr-3529	163	34	)	)	PUNCT
fsr-3529	164	1	m	m	VERB
fsr-3529	164	2	al	al	NOUN
fsr-3529	164	3	e	e	PROPN
fsr-3529	164	4	$	$	SYM
fsr-3529	164	5	0	0	NUM
fsr-3529	164	6	.0	.0	NUM
fsr-3529	164	7	0	0	NUM
fsr-3529	164	8	30	30	NUM
fsr-3529	164	9	$	$	SYM
fsr-3529	164	10	0	0	NUM
fsr-3529	164	11	.0	.0	NUM
fsr-3529	164	12	0	0	NUM
fsr-3529	164	13	1	1	NUM
fsr-3529	164	14	9	9	NUM
fsr-3529	164	15	$	$	SYM
fsr-3529	164	16	0	0	NUM
fsr-3529	164	17	.0	.0	NUM
fsr-3529	164	18	0	0	NUM
fsr-3529	164	19	1	1	NUM
fsr-3529	164	20	9	9	NUM
fsr-3529	164	21	0	0	NUM
fsr-3529	164	22	.0	.0	NUM
fsr-3529	164	23	0	0	NUM
fsr-3529	164	24	2	2	NUM
fsr-3529	164	25	7	7	NUM
fsr-3529	164	26	0	0	NUM
fsr-3529	164	27	.0	.0	NUM
fsr-3529	164	28	0	0	NUM
fsr-3529	164	29	4	4	NUM
fsr-3529	164	30	2	2	NUM
fsr-3529	164	31	(	(	PUNCT
fsr-3529	164	32	0	0	NUM
fsr-3529	164	33	.0	.0	NUM
fsr-3529	164	34	0	0	NUM
fsr-3529	164	35	58	58	NUM
fsr-3529	164	36	)	)	PUNCT
fsr-3529	164	37	(	(	PUNCT
fsr-3529	164	38	0	0	NUM
fsr-3529	164	39	.0	.0	NUM
fsr-3529	164	40	0	0	NUM
fsr-3529	164	41	37	37	NUM
fsr-3529	164	42	)	)	PUNCT
fsr-3529	164	43	(	(	PUNCT
fsr-3529	164	44	0	0	NUM
fsr-3529	164	45	.0	.0	NUM
fsr-3529	164	46	0	0	NUM
fsr-3529	164	47	3	3	NUM
fsr-3529	164	48	6	6	NUM
fsr-3529	164	49	)	)	PUNCT
fsr-3529	164	50	(	(	PUNCT
fsr-3529	164	51	0	0	NUM
fsr-3529	164	52	.0	.0	NUM
fsr-3529	164	53	0	0	NUM
fsr-3529	164	54	5	5	NUM
fsr-3529	164	55	1	1	NUM
fsr-3529	164	56	)	)	PUNCT
fsr-3529	164	57	(	(	PUNCT
fsr-3529	164	58	0	0	NUM
fsr-3529	164	59	.0	.0	NUM
fsr-3529	164	60	0	0	NUM
fsr-3529	164	61	79	79	NUM
fsr-3529	164	62	)	)	PUNCT
fsr-3529	164	63	a	a	DET
fsr-3529	164	64	g	g	NOUN
fsr-3529	164	65	e	e	NOUN
fsr-3529	164	66	0	0	PUNCT
fsr-3529	164	67	.0	.0	NUM
fsr-3529	164	68	0	0	NUM
fsr-3529	165	1	10	10	NUM
fsr-3529	165	2	*	*	SYM
fsr-3529	165	3	0	0	NUM
fsr-3529	166	1	.0	.0	NUM
fsr-3529	166	2	0	0	NUM
fsr-3529	166	3	0	0	NUM
fsr-3529	166	4	6	6	NUM
fsr-3529	166	5	*	*	SYM
fsr-3529	166	6	0	0	NUM
fsr-3529	167	1	.0	.0	NUM
fsr-3529	167	2	0	0	NUM
fsr-3529	167	3	0	0	NUM
fsr-3529	167	4	6	6	NUM
fsr-3529	167	5	*	*	SYM
fsr-3529	167	6	$	$	SYM
fsr-3529	167	7	0	0	NUM
fsr-3529	167	8	.0	.0	NUM
fsr-3529	167	9	0	0	NUM
fsr-3529	167	10	0	0	NUM
fsr-3529	167	11	9	9	NUM
fsr-3529	167	12	*	*	SYM
fsr-3529	167	13	$	$	SYM
fsr-3529	167	14	0	0	NUM
fsr-3529	167	15	.0	.0	NUM
fsr-3529	167	16	0	0	NUM
fsr-3529	167	17	1	1	NUM
fsr-3529	167	18	3	3	NUM
fsr-3529	167	19	*	*	PUNCT
fsr-3529	167	20	(	(	PUNCT
fsr-3529	167	21	0	0	NUM
fsr-3529	167	22	.0	.0	NUM
fsr-3529	167	23	0	0	NUM
fsr-3529	167	24	04	04	NUM
fsr-3529	167	25	)	)	PUNCT
fsr-3529	167	26	(	(	PUNCT
fsr-3529	167	27	0	0	NUM
fsr-3529	167	28	.0	.0	NUM
fsr-3529	167	29	0	0	NUM
fsr-3529	167	30	03	03	NUM
fsr-3529	167	31	)	)	PUNCT
fsr-3529	168	1	(	(	PUNCT
fsr-3529	168	2	0	0	NUM
fsr-3529	168	3	.0	.0	NUM
fsr-3529	168	4	0	0	NUM
fsr-3529	168	5	0	0	NUM
fsr-3529	168	6	3	3	NUM
fsr-3529	168	7	)	)	PUNCT
fsr-3529	168	8	(	(	PUNCT
fsr-3529	168	9	0	0	NUM
fsr-3529	168	10	.0	.0	NUM
fsr-3529	168	11	0	0	NUM
fsr-3529	168	12	0	0	NUM
fsr-3529	168	13	3	3	NUM
fsr-3529	168	14	)	)	PUNCT
fsr-3529	168	15	(	(	PUNCT
fsr-3529	168	16	0	0	NUM
fsr-3529	168	17	.0	.0	NUM
fsr-3529	168	18	0	0	NUM
fsr-3529	168	19	06	06	NUM
fsr-3529	168	20	)	)	PUNCT
fsr-3529	169	1	b	b	PROPN
fsr-3529	169	2	la	la	INTJ
fsr-3529	169	3	ck	ck	PROPN
fsr-3529	169	4	ra	ra	PROPN
fsr-3529	169	5	ce	ce	PROPN
fsr-3529	169	6	0	0	PROPN
fsr-3529	170	1	.0	.0	NUM
fsr-3529	170	2	3	3	NUM
fsr-3529	170	3	35	35	NUM
fsr-3529	170	4	*	*	PUNCT
fsr-3529	171	1	*	*	PUNCT
fsr-3529	171	2	0	0	NUM
fsr-3529	172	1	.0	.0	NUM
fsr-3529	172	2	2	2	NUM
fsr-3529	172	3	1	1	NUM
fsr-3529	172	4	6	6	NUM
fsr-3529	172	5	*	*	PUNCT
fsr-3529	172	6	*	*	PUNCT
fsr-3529	172	7	0	0	NUM
fsr-3529	172	8	.0	.0	NUM
fsr-3529	172	9	2	2	NUM
fsr-3529	172	10	1	1	NUM
fsr-3529	172	11	0	0	NUM
fsr-3529	172	12	*	*	PUNCT
fsr-3529	172	13	*	*	PUNCT
fsr-3529	172	14	$	$	SYM
fsr-3529	172	15	0	0	NUM
fsr-3529	172	16	.0	.0	NUM
fsr-3529	172	17	2	2	NUM
fsr-3529	172	18	9	9	NUM
fsr-3529	172	19	9	9	NUM
fsr-3529	172	20	*	*	PUNCT
fsr-3529	172	21	*	*	PUNCT
fsr-3529	172	22	$	$	SYM
fsr-3529	172	23	0	0	NUM
fsr-3529	172	24	.0	.0	NUM
fsr-3529	172	25	4	4	NUM
fsr-3529	172	26	6	6	NUM
fsr-3529	172	27	2	2	NUM
fsr-3529	172	28	*	*	PUNCT
fsr-3529	172	29	*	*	PUNCT
fsr-3529	172	30	(	(	PUNCT
fsr-3529	172	31	0	0	NUM
fsr-3529	172	32	.0	.0	NUM
fsr-3529	172	33	1	1	NUM
fsr-3529	172	34	11	11	NUM
fsr-3529	172	35	)	)	PUNCT
fsr-3529	172	36	(	(	PUNCT
fsr-3529	172	37	0	0	NUM
fsr-3529	172	38	.0	.0	NUM
fsr-3529	172	39	0	0	NUM
fsr-3529	172	40	74	74	NUM
fsr-3529	172	41	)	)	PUNCT
fsr-3529	172	42	(	(	PUNCT
fsr-3529	172	43	0	0	NUM
fsr-3529	172	44	.0	.0	NUM
fsr-3529	172	45	0	0	NUM
fsr-3529	172	46	7	7	NUM
fsr-3529	172	47	3	3	NUM
fsr-3529	172	48	)	)	PUNCT
fsr-3529	172	49	(	(	PUNCT
fsr-3529	172	50	0	0	NUM
fsr-3529	172	51	.0	.0	NUM
fsr-3529	172	52	1	1	NUM
fsr-3529	172	53	0	0	NUM
fsr-3529	172	54	1	1	NUM
fsr-3529	172	55	)	)	PUNCT
fsr-3529	172	56	(	(	PUNCT
fsr-3529	172	57	0	0	NUM
fsr-3529	172	58	.0	.0	NUM
fsr-3529	172	59	1	1	NUM
fsr-3529	172	60	57	57	NUM
fsr-3529	172	61	)	)	PUNCT
fsr-3529	172	62	o	o	NOUN
fsr-3529	172	63	th	th	INTJ
fsr-3529	172	64	er	er	INTJ
fsr-3529	172	65	ra	ra	PROPN
fsr-3529	172	66	ce	ce	PROPN
fsr-3529	172	67	0	0	PROPN
fsr-3529	173	1	.0	.0	NUM
fsr-3529	173	2	0	0	NUM
fsr-3529	174	1	90	90	NUM
fsr-3529	174	2	0	0	NUM
fsr-3529	174	3	.0	.0	NUM
fsr-3529	174	4	0	0	NUM
fsr-3529	174	5	5	5	NUM
fsr-3529	174	6	8	8	NUM
fsr-3529	174	7	0	0	NUM
fsr-3529	174	8	.0	.0	NUM
fsr-3529	174	9	0	0	NUM
fsr-3529	174	10	5	5	NUM
fsr-3529	174	11	6	6	NUM
fsr-3529	174	12	$	$	SYM
fsr-3529	174	13	0	0	NUM
fsr-3529	174	14	.0	.0	NUM
fsr-3529	174	15	0	0	NUM
fsr-3529	174	16	8	8	NUM
fsr-3529	174	17	0	0	NUM
fsr-3529	174	18	$	$	SYM
fsr-3529	174	19	0	0	NUM
fsr-3529	174	20	.0	.0	NUM
fsr-3529	174	21	1	1	NUM
fsr-3529	174	22	2	2	NUM
fsr-3529	174	23	4	4	NUM
fsr-3529	174	24	(	(	PUNCT
fsr-3529	174	25	0	0	NUM
fsr-3529	174	26	.0	.0	NUM
fsr-3529	174	27	1	1	NUM
fsr-3529	174	28	17	17	NUM
fsr-3529	174	29	)	)	PUNCT
fsr-3529	174	30	(	(	PUNCT
fsr-3529	174	31	0	0	NUM
fsr-3529	174	32	.0	.0	NUM
fsr-3529	174	33	0	0	NUM
fsr-3529	174	34	75	75	NUM
fsr-3529	174	35	)	)	PUNCT
fsr-3529	174	36	(	(	PUNCT
fsr-3529	174	37	0	0	NUM
fsr-3529	174	38	.0	.0	NUM
fsr-3529	174	39	0	0	NUM
fsr-3529	174	40	7	7	NUM
fsr-3529	174	41	3	3	NUM
fsr-3529	174	42	)	)	PUNCT
fsr-3529	174	43	(	(	PUNCT
fsr-3529	174	44	0	0	NUM
fsr-3529	174	45	.0	.0	NUM
fsr-3529	174	46	1	1	NUM
fsr-3529	174	47	0	0	NUM
fsr-3529	174	48	4	4	NUM
fsr-3529	174	49	)	)	PUNCT
fsr-3529	174	50	(	(	PUNCT
fsr-3529	174	51	0	0	NUM
fsr-3529	174	52	.0	.0	NUM
fsr-3529	174	53	1	1	NUM
fsr-3529	174	54	62	62	NUM
fsr-3529	174	55	)	)	PUNCT
fsr-3529	174	56	m	m	PROPN
fsr-3529	174	57	ar	ar	PROPN
fsr-3529	174	58	ri	ri	PROPN
fsr-3529	174	59	ed	ed	PROPN
fsr-3529	174	60	$	$	SYM
fsr-3529	174	61	0	0	NUM
fsr-3529	174	62	.0	.0	NUM
fsr-3529	174	63	1	1	NUM
fsr-3529	174	64	83	83	NUM
fsr-3529	174	65	*	*	PUNCT
fsr-3529	174	66	*	*	PUNCT
fsr-3529	174	67	$	$	SYM
fsr-3529	174	68	0	0	NUM
fsr-3529	174	69	.0	.0	NUM
fsr-3529	174	70	1	1	NUM
fsr-3529	174	71	1	1	NUM
fsr-3529	174	72	8	8	NUM
fsr-3529	174	73	*	*	PUNCT
fsr-3529	174	74	*	*	PUNCT
fsr-3529	174	75	$	$	SYM
fsr-3529	174	76	0	0	NUM
fsr-3529	174	77	.0	.0	NUM
fsr-3529	174	78	1	1	NUM
fsr-3529	174	79	1	1	NUM
fsr-3529	174	80	4	4	NUM
fsr-3529	174	81	*	*	PUNCT
fsr-3529	174	82	*	*	PUNCT
fsr-3529	174	83	0	0	NUM
fsr-3529	175	1	.0	.0	NUM
fsr-3529	175	2	1	1	NUM
fsr-3529	175	3	6	6	NUM
fsr-3529	175	4	3	3	NUM
fsr-3529	175	5	*	*	PUNCT
fsr-3529	176	1	*	*	PUNCT
fsr-3529	176	2	0	0	NUM
fsr-3529	177	1	.0	.0	NUM
fsr-3529	177	2	2	2	NUM
fsr-3529	177	3	5	5	NUM
fsr-3529	177	4	2	2	NUM
fsr-3529	177	5	*	*	PUNCT
fsr-3529	177	6	*	*	PUNCT
fsr-3529	177	7	(	(	PUNCT
fsr-3529	177	8	0	0	NUM
fsr-3529	177	9	.0	.0	NUM
fsr-3529	177	10	0	0	NUM
fsr-3529	177	11	63	63	NUM
fsr-3529	177	12	)	)	PUNCT
fsr-3529	177	13	(	(	PUNCT
fsr-3529	177	14	0	0	NUM
fsr-3529	177	15	.0	.0	NUM
fsr-3529	177	16	0	0	NUM
fsr-3529	177	17	41	41	NUM
fsr-3529	177	18	)	)	PUNCT
fsr-3529	177	19	(	(	PUNCT
fsr-3529	177	20	0	0	NUM
fsr-3529	177	21	.0	.0	NUM
fsr-3529	177	22	0	0	NUM
fsr-3529	177	23	4	4	NUM
fsr-3529	177	24	0	0	NUM
fsr-3529	177	25	)	)	PUNCT
fsr-3529	177	26	(	(	PUNCT
fsr-3529	177	27	0	0	NUM
fsr-3529	177	28	.0	.0	NUM
fsr-3529	177	29	0	0	NUM
fsr-3529	177	30	5	5	NUM
fsr-3529	177	31	7	7	NUM
fsr-3529	177	32	)	)	PUNCT
fsr-3529	177	33	(	(	PUNCT
fsr-3529	177	34	0	0	NUM
fsr-3529	177	35	.0	.0	NUM
fsr-3529	177	36	0	0	NUM
fsr-3529	177	37	86	86	NUM
fsr-3529	177	38	)	)	PUNCT
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fsr-3529	177	41	se	se	X
fsr-3529	177	42	n	n	X
fsr-3529	177	43	ce	ce	PROPN
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fsr-3529	177	45	f	f	PROPN
fsr-3529	178	1	ch	ch	PROPN
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fsr-3529	178	9	.0	.0	NUM
fsr-3529	178	10	0	0	NUM
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fsr-3529	178	13	0	0	NUM
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fsr-3529	178	24	$	$	SYM
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fsr-3529	178	27	1	1	NUM
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fsr-3529	178	29	6	6	NUM
fsr-3529	178	30	0	0	NUM
fsr-3529	178	31	.0	.0	NUM
fsr-3529	178	32	1	1	NUM
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fsr-3529	178	34	0	0	NUM
fsr-3529	178	35	.0	.0	NUM
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fsr-3529	178	37	6	6	NUM
fsr-3529	178	38	9	9	NUM
fsr-3529	178	39	0	0	NUM
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fsr-3529	178	41	0	0	NUM
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fsr-3529	178	43	7	7	NUM
fsr-3529	178	44	0	0	NUM
fsr-3529	178	45	.0	.0	NUM
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fsr-3529	178	54	r	r	NOUN
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fsr-3529	178	63	*	*	PUNCT
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fsr-3529	179	5	.0	.0	NUM
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fsr-3529	179	9	*	*	PUNCT
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fsr-3529	180	3	$	$	SYM
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fsr-3529	180	5	.0	.0	NUM
fsr-3529	180	6	1	1	NUM
fsr-3529	180	7	3	3	NUM
fsr-3529	180	8	4	4	NUM
fsr-3529	180	9	*	*	PUNCT
fsr-3529	181	1	*	*	PUNCT
fsr-3529	181	2	*	*	PUNCT
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fsr-3529	182	1	.0	.0	NUM
fsr-3529	182	2	1	1	NUM
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fsr-3529	182	4	1	1	NUM
fsr-3529	182	5	*	*	PUNCT
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fsr-3529	183	1	.0	.0	NUM
fsr-3529	183	2	2	2	NUM
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fsr-3529	183	4	6	6	NUM
fsr-3529	183	5	*	*	PUNCT
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fsr-3529	183	7	*	*	PUNCT
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fsr-3529	183	10	.0	.0	NUM
fsr-3529	183	11	0	0	NUM
fsr-3529	183	12	52	52	NUM
fsr-3529	183	13	)	)	PUNCT
fsr-3529	183	14	(	(	PUNCT
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fsr-3529	183	16	.0	.0	NUM
fsr-3529	183	17	0	0	NUM
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fsr-3529	183	19	)	)	PUNCT
fsr-3529	183	20	(	(	PUNCT
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fsr-3529	183	22	.0	.0	NUM
fsr-3529	183	23	0	0	NUM
fsr-3529	183	24	3	3	NUM
fsr-3529	183	25	5	5	NUM
fsr-3529	183	26	)	)	PUNCT
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fsr-3529	183	28	0	0	NUM
fsr-3529	183	29	.0	.0	NUM
fsr-3529	183	30	0	0	NUM
fsr-3529	183	31	4	4	NUM
fsr-3529	183	32	6	6	NUM
fsr-3529	183	33	)	)	PUNCT
fsr-3529	183	34	(	(	PUNCT
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fsr-3529	183	36	.0	.0	NUM
fsr-3529	183	37	0	0	NUM
fsr-3529	183	38	75	75	NUM
fsr-3529	183	39	)	)	PUNCT
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fsr-3529	183	41	ea	ea	INTJ
fsr-3529	184	1	rs	rs	INTJ
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fsr-3529	185	2	f	f	NOUN
fsr-3529	186	1	ed	ed	NOUN
fsr-3529	186	2	u	u	INTJ
fsr-3529	186	3	ca	can	AUX
fsr-3529	186	4	ti	ti	NOUN
fsr-3529	186	5	o	o	NOUN
fsr-3529	186	6	n	n	PROPN
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fsr-3529	186	8	.0	.0	NUM
fsr-3529	186	9	0	0	NUM
fsr-3529	186	10	00	00	NUM
fsr-3529	186	11	0	0	NUM
fsr-3529	187	1	.0	.0	NUM
fsr-3529	187	2	0	0	NUM
fsr-3529	187	3	0	0	NUM
fsr-3529	187	4	0	0	NUM
fsr-3529	187	5	0	0	NUM
fsr-3529	187	6	.0	.0	NUM
fsr-3529	187	7	0	0	NUM
fsr-3529	187	8	0	0	NUM
fsr-3529	187	9	0	0	NUM
fsr-3529	187	10	0	0	NUM
fsr-3529	187	11	.0	.0	NUM
fsr-3529	187	12	0	0	NUM
fsr-3529	187	13	0	0	NUM
fsr-3529	187	14	0	0	NUM
fsr-3529	187	15	0	0	NUM
fsr-3529	188	1	.0	.0	NUM
fsr-3529	188	2	0	0	NUM
fsr-3529	188	3	0	0	NUM
fsr-3529	188	4	0	0	NUM
fsr-3529	188	5	(	(	PUNCT
fsr-3529	188	6	0	0	NUM
fsr-3529	188	7	.0	.0	NUM
fsr-3529	188	8	0	0	NUM
fsr-3529	188	9	10	10	NUM
fsr-3529	188	10	)	)	PUNCT
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fsr-3529	188	13	.0	.0	NUM
fsr-3529	188	14	0	0	NUM
fsr-3529	188	15	07	07	NUM
fsr-3529	188	16	)	)	PUNCT
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fsr-3529	188	19	.0	.0	NUM
fsr-3529	188	20	0	0	NUM
fsr-3529	188	21	0	0	NUM
fsr-3529	188	22	6	6	NUM
fsr-3529	188	23	)	)	PUNCT
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fsr-3529	188	30	)	)	PUNCT
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fsr-3529	188	34	0	0	NUM
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fsr-3529	188	36	)	)	PUNCT
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fsr-3529	188	42	.0	.0	NUM
fsr-3529	188	43	0	0	NUM
fsr-3529	188	44	03	03	NUM
fsr-3529	188	45	0	0	NUM
fsr-3529	188	46	.0	.0	NUM
fsr-3529	188	47	0	0	NUM
fsr-3529	188	48	0	0	NUM
fsr-3529	188	49	2	2	NUM
fsr-3529	188	50	0	0	NUM
fsr-3529	188	51	.0	.0	NUM
fsr-3529	188	52	0	0	NUM
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fsr-3529	188	54	2	2	NUM
fsr-3529	188	55	$	$	SYM
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fsr-3529	188	61	$	$	SYM
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fsr-3529	188	67	(	(	PUNCT
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fsr-3529	188	70	0	0	NUM
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fsr-3529	188	72	)	)	PUNCT
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fsr-3529	188	76	0	0	NUM
fsr-3529	188	77	47	47	NUM
fsr-3529	188	78	)	)	PUNCT
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fsr-3529	189	2	0	0	NUM
fsr-3529	189	3	.0	.0	NUM
fsr-3529	189	4	0	0	NUM
fsr-3529	189	5	4	4	NUM
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fsr-3529	189	7	)	)	PUNCT
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fsr-3529	189	9	0	0	NUM
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fsr-3529	189	13	4	4	NUM
fsr-3529	189	14	)	)	PUNCT
fsr-3529	189	15	(	(	PUNCT
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fsr-3529	189	18	1	1	NUM
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fsr-3529	189	20	)	)	PUNCT
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fsr-3529	190	3	rt	rt	PROPN
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fsr-3529	190	6	di	di	X
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fsr-3529	190	12	0	0	NUM
fsr-3529	191	1	84	84	NUM
fsr-3529	191	2	0	0	NUM
fsr-3529	192	1	.0	.0	NUM
fsr-3529	192	2	0	0	NUM
fsr-3529	192	3	5	5	NUM
fsr-3529	192	4	4	4	NUM
fsr-3529	192	5	0	0	NUM
fsr-3529	192	6	.0	.0	NUM
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fsr-3529	192	8	5	5	NUM
fsr-3529	192	9	3	3	NUM
fsr-3529	192	10	$	$	SYM
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fsr-3529	192	18	.0	.0	NUM
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fsr-3529	192	22	(	(	PUNCT
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fsr-3529	192	25	0	0	NUM
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fsr-3529	192	27	)	)	PUNCT
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fsr-3529	192	31	0	0	NUM
fsr-3529	192	32	39	39	NUM
fsr-3529	192	33	)	)	PUNCT
fsr-3529	192	34	(	(	PUNCT
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fsr-3529	192	39	7	7	NUM
fsr-3529	192	40	)	)	PUNCT
fsr-3529	192	41	(	(	PUNCT
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fsr-3529	192	43	.0	.0	NUM
fsr-3529	192	44	0	0	NUM
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fsr-3529	192	53	)	)	PUNCT
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fsr-3529	192	63	*	*	PUNCT
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fsr-3529	194	1	*	*	PUNCT
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fsr-3529	194	10	*	*	PUNCT
fsr-3529	195	1	*	*	PUNCT
fsr-3529	195	2	*	*	PUNCT
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fsr-3529	196	5	*	*	PUNCT
fsr-3529	197	1	*	*	PUNCT
fsr-3529	197	2	*	*	PUNCT
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fsr-3529	198	2	2	2	NUM
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fsr-3529	198	5	*	*	PUNCT
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fsr-3529	198	25	4	4	NUM
fsr-3529	198	26	)	)	PUNCT
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fsr-3529	198	39	)	)	PUNCT
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fsr-3529	198	43	s.	s.	PROPN
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fsr-3529	198	52	b	b	X
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fsr-3529	198	62	,	,	PUNCT
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fsr-3529	198	66	.	.	PUNCT
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fsr-3529	199	18	ts	ts	ADP
fsr-3529	199	19	ar	ar	PROPN
fsr-3529	199	20	e	e	PROPN
fsr-3529	199	21	ap	ap	PROPN
fsr-3529	199	22	p	p	PROPN
fsr-3529	199	23	li	li	PROPN
fsr-3529	199	24	ed	ed	PROPN
fsr-3529	199	25	.	.	PUNCT
fsr-3529	200	1	s	s	VERB
fsr-3529	200	2	ta	ta	PROPN
fsr-3529	200	3	n	n	PROPN
fsr-3529	200	4	d	d	PROPN
fsr-3529	200	5	ar	ar	PROPN
fsr-3529	201	1	d	d	PROPN
fsr-3529	201	2	er	er	INTJ
fsr-3529	201	3	ro	ro	INTJ
fsr-3529	201	4	rs	rs	PROPN
fsr-3529	201	5	ar	ar	PROPN
fsr-3529	201	6	e	e	PROPN
fsr-3529	201	7	re	re	ADP
fsr-3529	201	8	p	p	NOUN
fsr-3529	201	9	o	o	X
fsr-3529	201	10	rt	rt	INTJ
fsr-3529	201	11	ed	ed	NOUN
fsr-3529	201	12	in	in	ADP
fsr-3529	201	13	p	p	PROPN
fsr-3529	201	14	ar	ar	PROPN
fsr-3529	201	15	en	en	X
fsr-3529	201	16	th	th	X
fsr-3529	201	17	es	es	X
fsr-3529	201	18	es	es	NOUN
fsr-3529	201	19	.	.	PUNCT
fsr-3529	202	1	*	*	PUNCT
fsr-3529	203	1	*	*	PUNCT
fsr-3529	203	2	*	*	PUNCT
fsr-3529	203	3	s	s	X
fsr-3529	203	4	ta	ta	X
fsr-3529	203	5	ti	ti	PROPN
fsr-3529	203	6	st	st	PROPN
fsr-3529	203	7	ic	ic	PROPN
fsr-3529	203	8	al	al	PROPN
fsr-3529	203	9	ly	ly	PROPN
fsr-3529	204	1	si	si	PROPN
fsr-3529	204	2	g	g	PROPN
fsr-3529	204	3	n	n	PROPN
fsr-3529	204	4	ifi	ifi	PROPN
fsr-3529	204	5	ca	ca	PROPN
fsr-3529	204	6	n	n	ADV
fsr-3529	204	7	t	t	PROPN
fsr-3529	204	8	at	at	ADP
fsr-3529	204	9	0	0	NUM
fsr-3529	204	10	.1	.1	NUM
fsr-3529	205	1	p	p	X
fsr-3529	205	2	er	er	INTJ
fsr-3529	205	3	ce	ce	PROPN
fsr-3529	205	4	n	n	PROPN
fsr-3529	205	5	t	t	X
fsr-3529	205	6	le	le	X
fsr-3529	205	7	v	v	PROPN
fsr-3529	205	8	el	el	PROPN
fsr-3529	205	9	.	.	PUNCT
fsr-3529	206	1	*	*	PUNCT
fsr-3529	207	1	*	*	PUNCT
fsr-3529	207	2	s	s	X
fsr-3529	207	3	ta	ta	X
fsr-3529	207	4	ti	ti	PROPN
fsr-3529	207	5	st	st	PROPN
fsr-3529	207	6	ic	ic	PROPN
fsr-3529	207	7	al	al	PROPN
fsr-3529	207	8	ly	ly	PROPN
fsr-3529	208	1	si	si	PROPN
fsr-3529	208	2	g	g	PROPN
fsr-3529	208	3	n	n	PROPN
fsr-3529	208	4	ifi	ifi	PROPN
fsr-3529	208	5	ca	ca	PROPN
fsr-3529	208	6	n	n	ADV
fsr-3529	208	7	t	t	PROPN
fsr-3529	208	8	at	at	ADP
fsr-3529	208	9	1	1	NUM
fsr-3529	208	10	p	p	NOUN
fsr-3529	208	11	er	er	INTJ
fsr-3529	208	12	ce	ce	PROPN
fsr-3529	208	13	n	n	PROPN
fsr-3529	208	14	t	t	X
fsr-3529	208	15	le	le	X
fsr-3529	208	16	v	v	PROPN
fsr-3529	208	17	el	el	PROPN
fsr-3529	208	18	.	.	PUNCT
fsr-3529	209	1	*	*	PUNCT
fsr-3529	209	2	s	s	X
fsr-3529	209	3	ta	ta	X
fsr-3529	209	4	ti	ti	PROPN
fsr-3529	209	5	st	st	PROPN
fsr-3529	209	6	ic	ic	PROPN
fsr-3529	209	7	al	al	PROPN
fsr-3529	209	8	ly	ly	PROPN
fsr-3529	210	1	si	si	PROPN
fsr-3529	210	2	g	g	PROPN
fsr-3529	210	3	n	n	PROPN
fsr-3529	210	4	ifi	ifi	PROPN
fsr-3529	210	5	ca	ca	PROPN
fsr-3529	210	6	n	n	ADV
fsr-3529	210	7	t	t	PROPN
fsr-3529	210	8	at	at	ADP
fsr-3529	210	9	5	5	NUM
fsr-3529	210	10	p	p	NOUN
fsr-3529	210	11	er	er	INTJ
fsr-3529	210	12	ce	ce	PROPN
fsr-3529	210	13	n	n	PROPN
fsr-3529	210	14	t	t	X
fsr-3529	210	15	le	le	X
fsr-3529	210	16	v	v	PROPN
fsr-3529	210	17	el	el	PROPN
fsr-3529	210	18	.	.	PUNCT
fsr-3529	211	1	z.	z.	PROPN
fsr-3529	211	2	liu	liu	PROPN
fsr-3529	211	3	et	et	PROPN
fsr-3529	211	4	al	al	PROPN
fsr-3529	211	5	.	.	PUNCT
fsr-3529	211	6	/	/	SYM
fsr-3529	211	7	financial	financial	ADJ
fsr-3529	211	8	services	service	NOUN
fsr-3529	211	9	review	review	VERB
fsr-3529	211	10	31	31	NUM
fsr-3529	211	11	(	(	PUNCT
fsr-3529	211	12	2023	2023	NUM
fsr-3529	211	13	)	)	PUNCT
fsr-3529	211	14	107–120	107–120	NUM
fsr-3529	211	15	115	115	NUM
fsr-3529	211	16	the	the	DET
fsr-3529	211	17	results	result	NOUN
fsr-3529	211	18	from	from	ADP
fsr-3529	211	19	the	the	DET
fsr-3529	211	20	longitudinal	longitudinal	ADJ
fsr-3529	211	21	ols	ol	NOUN
fsr-3529	211	22	regression	regression	NOUN
fsr-3529	211	23	confirm	confirm	VERB
fsr-3529	211	24	that	that	SCONJ
fsr-3529	211	25	the	the	DET
fsr-3529	211	26	respondents	respondent	NOUN
fsr-3529	211	27	’	'	PUNCT
fsr-3529	211	28	financial	financial	ADJ
fsr-3529	211	29	planning	planning	NOUN
fsr-3529	211	30	horizons	horizon	NOUN
fsr-3529	211	31	are	be	AUX
fsr-3529	211	32	strongly	strongly	ADV
fsr-3529	211	33	correlated	correlate	VERB
fsr-3529	211	34	with	with	ADP
fsr-3529	211	35	their	their	PRON
fsr-3529	211	36	self	self	NOUN
fsr-3529	211	37	-	-	PUNCT
fsr-3529	211	38	perceived	perceive	VERB
fsr-3529	211	39	life	life	NOUN
fsr-3529	211	40	expectancy	expectancy	NOUN
fsr-3529	211	41	.	.	PUNCT
fsr-3529	212	1	moreover	moreover	ADV
fsr-3529	212	2	,	,	PUNCT
fsr-3529	212	3	changes	change	NOUN
fsr-3529	212	4	in	in	ADP
fsr-3529	212	5	self	self	NOUN
fsr-3529	212	6	-	-	PUNCT
fsr-3529	212	7	perceived	perceive	VERB
fsr-3529	212	8	longevity	longevity	NOUN
fsr-3529	212	9	result	result	NOUN
fsr-3529	212	10	in	in	ADP
fsr-3529	212	11	changes	change	NOUN
fsr-3529	212	12	to	to	ADP
fsr-3529	212	13	financial	financial	ADJ
fsr-3529	212	14	planning	planning	NOUN
fsr-3529	212	15	horizons	horizon	NOUN
fsr-3529	212	16	.	.	PUNCT
fsr-3529	213	1	the	the	DET
fsr-3529	213	2	marginal	marginal	ADJ
fsr-3529	213	3	effects	effect	NOUN
fsr-3529	213	4	of	of	ADP
fsr-3529	213	5	the	the	DET
fsr-3529	213	6	longitudinal	longitudinal	ADJ
fsr-3529	213	7	ordered	order	VERB
fsr-3529	213	8	probit	probit	NOUN
fsr-3529	213	9	regression	regression	NOUN
fsr-3529	213	10	in	in	ADP
fsr-3529	213	11	table	table	NOUN
fsr-3529	213	12	6	6	NUM
fsr-3529	213	13	confirm	confirm	VERB
fsr-3529	213	14	that	that	SCONJ
fsr-3529	213	15	,	,	PUNCT
fsr-3529	213	16	ceteris	ceteris	NOUN
fsr-3529	213	17	paribus	paribus	NOUN
fsr-3529	213	18	,	,	PUNCT
fsr-3529	213	19	respondents	respondent	NOUN
fsr-3529	213	20	with	with	ADP
fsr-3529	213	21	longer	long	ADJ
fsr-3529	213	22	self	self	NOUN
fsr-3529	213	23	-	-	PUNCT
fsr-3529	213	24	perceived	perceive	VERB
fsr-3529	213	25	life	life	NOUN
fsr-3529	213	26	expectancy	expectancy	NOUN
fsr-3529	213	27	tend	tend	VERB
fsr-3529	213	28	to	to	PART
fsr-3529	213	29	have	have	VERB
fsr-3529	213	30	longer	long	ADJ
fsr-3529	213	31	fig	fig	NOUN
fsr-3529	213	32	.	.	PUNCT
fsr-3529	214	1	2	2	X
fsr-3529	214	2	.	.	X
fsr-3529	214	3	average	average	ADJ
fsr-3529	214	4	financial	financial	ADJ
fsr-3529	214	5	planning	planning	NOUN
fsr-3529	214	6	horizon	horizon	NOUN
fsr-3529	214	7	in	in	ADP
fsr-3529	214	8	different	different	ADJ
fsr-3529	214	9	age	age	NOUN
fsr-3529	214	10	categories	category	NOUN
fsr-3529	214	11	(	(	PUNCT
fsr-3529	214	12	2018	2018	NUM
fsr-3529	214	13	)	)	PUNCT
fsr-3529	214	14	.	.	PUNCT
fsr-3529	215	1	note	note	VERB
fsr-3529	215	2	:	:	PUNCT
fsr-3529	215	3	the	the	DET
fsr-3529	215	4	2018	2018	NUM
fsr-3529	215	5	hrs	hrs	NOUN
fsr-3529	215	6	respondentlevel	respondentlevel	NOUN
fsr-3529	215	7	sample	sample	NOUN
fsr-3529	215	8	weight	weight	NOUN
fsr-3529	215	9	is	be	AUX
fsr-3529	215	10	applied	apply	VERB
fsr-3529	215	11	to	to	ADP
fsr-3529	215	12	this	this	DET
fsr-3529	215	13	summary	summary	NOUN
fsr-3529	215	14	graph	graph	NOUN
fsr-3529	215	15	.	.	PUNCT
fsr-3529	216	1	fig	fig	NOUN
fsr-3529	216	2	.	.	PUNCT
fsr-3529	217	1	3	3	X
fsr-3529	217	2	.	.	X
fsr-3529	217	3	average	average	ADJ
fsr-3529	217	4	life	life	NOUN
fsr-3529	217	5	expectancy	expectancy	NOUN
fsr-3529	217	6	summary	summary	NOUN
fsr-3529	217	7	and	and	CCONJ
fsr-3529	217	8	shift	shift	NOUN
fsr-3529	217	9	-	-	PUNCT
fsr-3529	217	10	trend	trend	NOUN
fsr-3529	217	11	(	(	PUNCT
fsr-3529	217	12	2000	2000	NUM
fsr-3529	217	13	-	-	SYM
fsr-3529	217	14	2018	2018	NUM
fsr-3529	217	15	)	)	PUNCT
fsr-3529	217	16	.	.	PUNCT
fsr-3529	218	1	116	116	NUM
fsr-3529	218	2	z.	z.	PROPN
fsr-3529	218	3	liu	liu	PROPN
fsr-3529	218	4	et	et	PROPN
fsr-3529	218	5	al	al	PROPN
fsr-3529	218	6	.	.	PUNCT
fsr-3529	218	7	/	/	SYM
fsr-3529	218	8	financial	financial	ADJ
fsr-3529	218	9	services	service	NOUN
fsr-3529	218	10	review	review	VERB
fsr-3529	218	11	31	31	NUM
fsr-3529	218	12	(	(	PUNCT
fsr-3529	218	13	2023	2023	NUM
fsr-3529	218	14	)	)	PUNCT
fsr-3529	218	15	107–120	107–120	NUM
fsr-3529	218	16	financial	financial	ADJ
fsr-3529	218	17	planning	planning	NOUN
fsr-3529	218	18	horizons	horizon	NOUN
fsr-3529	218	19	,	,	PUNCT
fsr-3529	218	20	controlling	control	VERB
fsr-3529	218	21	their	their	PRON
fsr-3529	218	22	marital	marital	ADJ
fsr-3529	218	23	and	and	CCONJ
fsr-3529	218	24	retirement	retirement	NOUN
fsr-3529	218	25	status	status	NOUN
fsr-3529	218	26	,	,	PUNCT
fsr-3529	218	27	presence	presence	NOUN
fsr-3529	218	28	of	of	ADP
fsr-3529	218	29	children	child	NOUN
fsr-3529	218	30	,	,	PUNCT
fsr-3529	218	31	wealth	wealth	NOUN
fsr-3529	218	32	levels	level	NOUN
fsr-3529	218	33	,	,	PUNCT
fsr-3529	218	34	and	and	CCONJ
fsr-3529	218	35	health	health	NOUN
fsr-3529	218	36	conditions	condition	NOUN
fsr-3529	218	37	.	.	PUNCT
fsr-3529	219	1	the	the	DET
fsr-3529	219	2	longitudinal	longitudinal	ADJ
fsr-3529	219	3	analysis	analysis	NOUN
fsr-3529	219	4	results	result	NOUN
fsr-3529	219	5	from	from	ADP
fsr-3529	219	6	the	the	DET
fsr-3529	219	7	tables	table	NOUN
fsr-3529	219	8	above	above	ADP
fsr-3529	219	9	affirm	affirm	NOUN
fsr-3529	219	10	the	the	DET
fsr-3529	219	11	main	main	ADJ
fsr-3529	219	12	conclusion	conclusion	NOUN
fsr-3529	219	13	of	of	ADP
fsr-3529	219	14	this	this	DET
fsr-3529	219	15	study	study	NOUN
fsr-3529	219	16	:	:	PUNCT
fsr-3529	219	17	the	the	DET
fsr-3529	219	18	respondent	respondent	NOUN
fsr-3529	219	19	’s	’s	PART
fsr-3529	219	20	financial	financial	ADJ
fsr-3529	219	21	planning	planning	NOUN
fsr-3529	219	22	horizon	horizon	NOUN
fsr-3529	219	23	is	be	AUX
fsr-3529	219	24	strongly	strongly	ADV
fsr-3529	219	25	correlated	correlate	VERB
fsr-3529	219	26	with	with	ADP
fsr-3529	219	27	rational	rational	ADJ
fsr-3529	219	28	life	life	NOUN
fsr-3529	219	29	expectancy	expectancy	NOUN
fsr-3529	219	30	changes	change	VERB
fsr-3529	219	31	as	as	ADV
fsr-3529	219	32	well	well	ADV
fsr-3529	219	33	as	as	ADP
fsr-3529	219	34	wealth	wealth	NOUN
fsr-3529	219	35	changes	change	NOUN
fsr-3529	219	36	.	.	PUNCT
fsr-3529	220	1	hence	hence	ADV
fsr-3529	220	2	,	,	PUNCT
fsr-3529	220	3	financial	financial	ADJ
fsr-3529	220	4	planning	planning	NOUN
fsr-3529	220	5	horizon	horizon	NOUN
fsr-3529	220	6	is	be	AUX
fsr-3529	220	7	a	a	DET
fsr-3529	220	8	partial	partial	ADJ
fsr-3529	220	9	measure	measure	NOUN
fsr-3529	220	10	of	of	ADP
fsr-3529	220	11	rational	rational	ADJ
fsr-3529	220	12	(	(	PUNCT
fsr-3529	220	13	not	not	PART
fsr-3529	220	14	fixed	fix	VERB
fsr-3529	220	15	)	)	PUNCT
fsr-3529	220	16	time	time	NOUN
fsr-3529	220	17	discounting	discounting	NOUN
fsr-3529	220	18	.	.	PUNCT
fsr-3529	221	1	overall	overall	ADJ
fsr-3529	221	2	,	,	PUNCT
fsr-3529	221	3	multivariate	multivariate	NOUN
fsr-3529	221	4	regression	regression	NOUN
fsr-3529	221	5	results	result	NOUN
fsr-3529	221	6	show	show	VERB
fsr-3529	221	7	evidence	evidence	NOUN
fsr-3529	221	8	that	that	SCONJ
fsr-3529	221	9	people	people	NOUN
fsr-3529	221	10	’s	’s	PART
fsr-3529	221	11	life	life	NOUN
fsr-3529	221	12	expectancy	expectancy	NOUN
fsr-3529	221	13	influences	influence	VERB
fsr-3529	221	14	their	their	PRON
fsr-3529	221	15	planning	planning	NOUN
fsr-3529	221	16	horizon	horizon	NOUN
fsr-3529	221	17	,	,	PUNCT
fsr-3529	221	18	even	even	ADV
fsr-3529	221	19	after	after	ADP
fsr-3529	221	20	controlling	control	VERB
fsr-3529	221	21	for	for	ADP
fsr-3529	221	22	their	their	PRON
fsr-3529	221	23	financial	financial	ADJ
fsr-3529	221	24	and	and	CCONJ
fsr-3529	221	25	health	health	NOUN
fsr-3529	221	26	conditions	condition	NOUN
fsr-3529	221	27	.	.	PUNCT
fsr-3529	222	1	6	6	X
fsr-3529	222	2	.	.	X
fsr-3529	222	3	conclusion	conclusion	NOUN
fsr-3529	222	4	using	use	VERB
fsr-3529	222	5	both	both	DET
fsr-3529	222	6	cross	cross	ADJ
fsr-3529	222	7	-	-	ADJ
fsr-3529	222	8	sectional	sectional	ADJ
fsr-3529	222	9	and	and	CCONJ
fsr-3529	222	10	longitudinal	longitudinal	ADJ
fsr-3529	222	11	analyses	analysis	NOUN
fsr-3529	222	12	with	with	ADP
fsr-3529	222	13	the	the	DET
fsr-3529	222	14	hrs	hrs	NOUN
fsr-3529	222	15	data	data	NOUN
fsr-3529	222	16	,	,	PUNCT
fsr-3529	222	17	this	this	DET
fsr-3529	222	18	paper	paper	NOUN
fsr-3529	222	19	examines	examine	VERB
fsr-3529	222	20	the	the	DET
fsr-3529	222	21	potential	potential	ADJ
fsr-3529	222	22	factors	factor	NOUN
fsr-3529	222	23	that	that	PRON
fsr-3529	222	24	drive	drive	VERB
fsr-3529	222	25	both	both	DET
fsr-3529	222	26	differences	difference	NOUN
fsr-3529	222	27	and	and	CCONJ
fsr-3529	222	28	changes	change	NOUN
fsr-3529	222	29	in	in	ADP
fsr-3529	222	30	american	american	ADJ
fsr-3529	222	31	adults	adult	NOUN
fsr-3529	222	32	’	'	PUNCT
fsr-3529	222	33	(	(	PUNCT
fsr-3529	222	34	age	age	NOUN
fsr-3529	222	35	50	50	NUM
fsr-3529	222	36	+	+	NOUN
fsr-3529	222	37	)	)	PUNCT
fsr-3529	222	38	financial	financial	ADJ
fsr-3529	222	39	planning	planning	NOUN
fsr-3529	222	40	time	time	NOUN
fsr-3529	222	41	horizons	horizon	NOUN
fsr-3529	222	42	and	and	CCONJ
fsr-3529	222	43	reviews	review	VERB
fsr-3529	222	44	the	the	DET
fsr-3529	222	45	significance	significance	NOUN
fsr-3529	222	46	of	of	ADP
fsr-3529	222	47	people	people	NOUN
fsr-3529	222	48	’s	’s	PART
fsr-3529	222	49	financial	financial	ADJ
fsr-3529	222	50	planning	planning	NOUN
fsr-3529	222	51	horizon	horizon	NOUN
fsr-3529	222	52	shifts	shift	NOUN
fsr-3529	222	53	.	.	PUNCT
fsr-3529	223	1	the	the	DET
fsr-3529	223	2	empirical	empirical	ADJ
fsr-3529	223	3	analysis	analysis	NOUN
fsr-3529	223	4	in	in	ADP
fsr-3529	223	5	this	this	DET
fsr-3529	223	6	study	study	NOUN
fsr-3529	223	7	provides	provide	VERB
fsr-3529	223	8	direct	direct	ADJ
fsr-3529	223	9	evidence	evidence	NOUN
fsr-3529	223	10	to	to	PART
fsr-3529	223	11	support	support	VERB
fsr-3529	223	12	the	the	DET
fsr-3529	223	13	hypothesis	hypothesis	NOUN
fsr-3529	223	14	that	that	PRON
fsr-3529	223	15	an	an	DET
fsr-3529	223	16	individual	individual	NOUN
fsr-3529	223	17	’s	’s	PART
fsr-3529	223	18	financial	financial	ADJ
fsr-3529	223	19	planning	planning	NOUN
fsr-3529	223	20	horizon	horizon	NOUN
fsr-3529	223	21	is	be	AUX
fsr-3529	223	22	strongly	strongly	ADV
fsr-3529	223	23	correlated	correlate	VERB
fsr-3529	223	24	with	with	ADP
fsr-3529	223	25	their	their	PRON
fsr-3529	223	26	self	self	NOUN
fsr-3529	223	27	-	-	PUNCT
fsr-3529	223	28	perceived	perceive	VERB
fsr-3529	223	29	life	life	NOUN
fsr-3529	223	30	expectancy	expectancy	NOUN
fsr-3529	223	31	,	,	PUNCT
fsr-3529	223	32	race	race	NOUN
fsr-3529	223	33	,	,	PUNCT
fsr-3529	223	34	marital	marital	ADJ
fsr-3529	223	35	status	status	NOUN
fsr-3529	223	36	,	,	PUNCT
fsr-3529	223	37	retirement	retirement	NOUN
fsr-3529	223	38	status	status	NOUN
fsr-3529	223	39	,	,	PUNCT
fsr-3529	223	40	and	and	CCONJ
fsr-3529	223	41	wealth	wealth	NOUN
fsr-3529	223	42	level	level	NOUN
fsr-3529	223	43	.	.	PUNCT
fsr-3529	224	1	ceteris	ceteris	NOUN
fsr-3529	224	2	paribus	paribus	NOUN
fsr-3529	224	3	,	,	PUNCT
fsr-3529	224	4	people	people	NOUN
fsr-3529	224	5	with	with	ADP
fsr-3529	224	6	longer	long	ADJ
fsr-3529	224	7	self	self	NOUN
fsr-3529	224	8	-	-	PUNCT
fsr-3529	224	9	perceived	perceive	VERB
fsr-3529	224	10	longevity	longevity	NOUN
fsr-3529	224	11	tend	tend	VERB
fsr-3529	224	12	to	to	PART
fsr-3529	224	13	have	have	VERB
fsr-3529	224	14	longer	long	ADJ
fsr-3529	224	15	financial	financial	ADJ
fsr-3529	224	16	planning	planning	NOUN
fsr-3529	224	17	horizons	horizon	NOUN
fsr-3529	224	18	.	.	PUNCT
fsr-3529	225	1	over	over	ADP
fsr-3529	225	2	time	time	NOUN
fsr-3529	225	3	,	,	PUNCT
fsr-3529	225	4	changes	change	NOUN
fsr-3529	225	5	in	in	ADP
fsr-3529	225	6	self	self	NOUN
fsr-3529	225	7	-	-	PUNCT
fsr-3529	225	8	perceived	perceive	VERB
fsr-3529	225	9	life	life	NOUN
fsr-3529	225	10	expectancy	expectancy	NOUN
fsr-3529	225	11	,	,	PUNCT
fsr-3529	225	12	marital	marital	ADJ
fsr-3529	225	13	and	and	CCONJ
fsr-3529	225	14	retirement	retirement	NOUN
fsr-3529	225	15	status	status	NOUN
fsr-3529	225	16	,	,	PUNCT
fsr-3529	225	17	health	health	NOUN
fsr-3529	225	18	conditions	condition	NOUN
fsr-3529	225	19	,	,	PUNCT
fsr-3529	225	20	and	and	CCONJ
fsr-3529	225	21	wealth	wealth	NOUN
fsr-3529	225	22	level	level	NOUN
fsr-3529	225	23	will	will	AUX
fsr-3529	225	24	cause	cause	VERB
fsr-3529	225	25	individuals	individual	NOUN
fsr-3529	225	26	to	to	PART
fsr-3529	225	27	shift	shift	VERB
fsr-3529	225	28	their	their	PRON
fsr-3529	225	29	financial	financial	ADJ
fsr-3529	225	30	planning	planning	NOUN
fsr-3529	225	31	horizons	horizon	NOUN
fsr-3529	225	32	.	.	PUNCT
fsr-3529	226	1	the	the	DET
fsr-3529	226	2	findings	finding	NOUN
fsr-3529	226	3	of	of	ADP
fsr-3529	226	4	this	this	DET
fsr-3529	226	5	paper	paper	NOUN
fsr-3529	226	6	can	can	AUX
fsr-3529	226	7	help	help	VERB
fsr-3529	226	8	financial	financial	ADJ
fsr-3529	226	9	planners	planner	NOUN
fsr-3529	226	10	to	to	PART
fsr-3529	226	11	identify	identify	VERB
fsr-3529	226	12	the	the	DET
fsr-3529	226	13	factors	factor	NOUN
fsr-3529	226	14	,	,	PUNCT
fsr-3529	226	15	such	such	ADJ
fsr-3529	226	16	as	as	ADP
fsr-3529	226	17	selfperceived	selfperceived	ADJ
fsr-3529	226	18	longevity	longevity	NOUN
fsr-3529	226	19	and	and	CCONJ
fsr-3529	226	20	wealth	wealth	NOUN
fsr-3529	226	21	changes	change	NOUN
fsr-3529	226	22	,	,	PUNCT
fsr-3529	226	23	that	that	PRON
fsr-3529	226	24	may	may	AUX
fsr-3529	226	25	cause	cause	VERB
fsr-3529	226	26	potential	potential	ADJ
fsr-3529	226	27	shifts	shift	NOUN
fsr-3529	226	28	to	to	ADP
fsr-3529	226	29	the	the	DET
fsr-3529	226	30	financial	financial	ADJ
fsr-3529	226	31	planning	planning	NOUN
fsr-3529	226	32	time	time	NOUN
fsr-3529	226	33	horizon	horizon	NOUN
fsr-3529	226	34	of	of	ADP
fsr-3529	226	35	their	their	PRON
fsr-3529	226	36	clients	client	NOUN
fsr-3529	226	37	.	.	PUNCT
fsr-3529	227	1	practitioners	practitioner	NOUN
fsr-3529	227	2	can	can	AUX
fsr-3529	227	3	also	also	ADV
fsr-3529	227	4	benefit	benefit	VERB
fsr-3529	227	5	from	from	ADP
fsr-3529	227	6	this	this	DET
fsr-3529	227	7	study	study	NOUN
fsr-3529	227	8	in	in	ADP
fsr-3529	227	9	terms	term	NOUN
fsr-3529	227	10	of	of	ADP
fsr-3529	227	11	educating	educate	VERB
fsr-3529	227	12	their	their	PRON
fsr-3529	227	13	clients	client	NOUN
fsr-3529	227	14	about	about	ADP
fsr-3529	227	15	the	the	DET
fsr-3529	227	16	importance	importance	NOUN
fsr-3529	227	17	of	of	ADP
fsr-3529	227	18	their	their	PRON
fsr-3529	227	19	decisions	decision	NOUN
fsr-3529	227	20	on	on	ADP
fsr-3529	227	21	the	the	DET
fsr-3529	227	22	financial	financial	ADJ
fsr-3529	227	23	planning	planning	NOUN
fsr-3529	227	24	table	table	NOUN
fsr-3529	227	25	5	5	NUM
fsr-3529	227	26	longitudinal	longitudinal	ADJ
fsr-3529	227	27	ols	ol	NOUN
fsr-3529	227	28	regressions	regression	NOUN
fsr-3529	227	29	on	on	ADP
fsr-3529	227	30	financial	financial	ADJ
fsr-3529	227	31	planning	planning	NOUN
fsr-3529	227	32	horizon	horizon	NOUN
fsr-3529	227	33	variables	variable	NOUN
fsr-3529	227	34	fixed	fix	VERB
fsr-3529	227	35	-	-	PUNCT
fsr-3529	227	36	effect	effect	NOUN
fsr-3529	227	37	random	random	ADJ
fsr-3529	227	38	-	-	PUNCT
fsr-3529	227	39	effect	effect	NOUN
fsr-3529	227	40	years	year	NOUN
fsr-3529	227	41	to	to	PART
fsr-3529	227	42	live	live	VERB
fsr-3529	227	43	0.00479	0.00479	NUM
fsr-3529	227	44	*	*	PUNCT
fsr-3529	227	45	*	*	PUNCT
fsr-3529	227	46	*	*	PUNCT
fsr-3529	227	47	0.00847	0.00847	NUM
fsr-3529	227	48	*	*	PUNCT
fsr-3529	227	49	*	*	PUNCT
fsr-3529	227	50	*	*	PUNCT
fsr-3529	227	51	(	(	PUNCT
fsr-3529	227	52	$	$	SYM
fsr-3529	227	53	0.00121	0.00121	NUM
fsr-3529	227	54	)	)	PUNCT
fsr-3529	227	55	(	(	PUNCT
fsr-3529	227	56	$	$	SYM
fsr-3529	227	57	0.000765	0.000765	NUM
fsr-3529	227	58	)	)	PUNCT
fsr-3529	227	59	married	marry	VERB
fsr-3529	227	60	$	$	SYM
fsr-3529	227	61	0.0614	0.0614	NUM
fsr-3529	227	62	*	*	PUNCT
fsr-3529	227	63	0.0692	0.0692	NUM
fsr-3529	227	64	*	*	PUNCT
fsr-3529	227	65	*	*	PUNCT
fsr-3529	227	66	*	*	PUNCT
fsr-3529	227	67	(	(	PUNCT
fsr-3529	227	68	$	$	SYM
fsr-3529	227	69	0.0265	0.0265	NUM
fsr-3529	227	70	)	)	PUNCT
fsr-3529	227	71	(	(	PUNCT
fsr-3529	227	72	$	$	SYM
fsr-3529	227	73	0.0146	0.0146	NUM
fsr-3529	227	74	)	)	PUNCT
fsr-3529	227	75	presence	presence	NOUN
fsr-3529	227	76	of	of	ADP
fsr-3529	227	77	child	child	NOUN
fsr-3529	227	78	0.0796	0.0796	NUM
fsr-3529	227	79	$	$	SYM
fsr-3529	227	80	0.0505	0.0505	NUM
fsr-3529	227	81	*	*	PUNCT
fsr-3529	227	82	(	(	PUNCT
fsr-3529	227	83	$	$	SYM
fsr-3529	227	84	0.0715	0.0715	NUM
fsr-3529	227	85	)	)	PUNCT
fsr-3529	227	86	(	(	PUNCT
fsr-3529	227	87	$	$	SYM
fsr-3529	227	88	0.0243	0.0243	NUM
fsr-3529	227	89	)	)	PUNCT
fsr-3529	227	90	retired	retire	VERB
fsr-3529	227	91	0.0780	0.0780	NUM
fsr-3529	227	92	*	*	PUNCT
fsr-3529	227	93	*	*	PUNCT
fsr-3529	227	94	*	*	PUNCT
fsr-3529	228	1	0.0340	0.0340	NUM
fsr-3529	228	2	*	*	PUNCT
fsr-3529	228	3	*	*	PUNCT
fsr-3529	228	4	(	(	PUNCT
fsr-3529	228	5	$	$	SYM
fsr-3529	228	6	0.0171	0.0171	NUM
fsr-3529	228	7	)	)	PUNCT
fsr-3529	228	8	(	(	PUNCT
fsr-3529	228	9	$	$	SYM
fsr-3529	228	10	0.0125	0.0125	NUM
fsr-3529	228	11	)	)	PUNCT
fsr-3529	228	12	cancer	cancer	NOUN
fsr-3529	228	13	$	$	SYM
fsr-3529	228	14	0.0498	0.0498	NUM
fsr-3529	228	15	$	$	SYM
fsr-3529	228	16	0.016	0.016	NUM
fsr-3529	228	17	(	(	PUNCT
fsr-3529	228	18	$	$	SYM
fsr-3529	228	19	0.0348	0.0348	NUM
fsr-3529	228	20	)	)	PUNCT
fsr-3529	228	21	(	(	PUNCT
fsr-3529	228	22	$	$	SYM
fsr-3529	228	23	0.0195	0.0195	NUM
fsr-3529	228	24	)	)	PUNCT
fsr-3529	228	25	heart	heart	NOUN
fsr-3529	228	26	condition	condition	VERB
fsr-3529	228	27	$	$	SYM
fsr-3529	228	28	0.0541	0.0541	NUM
fsr-3529	228	29	*	*	PUNCT
fsr-3529	228	30	$	$	SYM
fsr-3529	228	31	0.0519	0.0519	NUM
fsr-3529	228	32	*	*	PUNCT
fsr-3529	228	33	*	*	PUNCT
fsr-3529	228	34	(	(	PUNCT
fsr-3529	228	35	$	$	SYM
fsr-3529	228	36	0.0275	0.0275	NUM
fsr-3529	228	37	)	)	PUNCT
fsr-3529	228	38	(	(	PUNCT
fsr-3529	228	39	$	$	SYM
fsr-3529	228	40	0.0164	0.0164	NUM
fsr-3529	228	41	)	)	PUNCT
fsr-3529	228	42	wealth	wealth	NOUN
fsr-3529	228	43	0.0294	0.0294	NUM
fsr-3529	228	44	*	*	PUNCT
fsr-3529	228	45	*	*	PUNCT
fsr-3529	228	46	*	*	PUNCT
fsr-3529	228	47	0.103	0.103	NUM
fsr-3529	228	48	*	*	PUNCT
fsr-3529	228	49	*	*	PUNCT
fsr-3529	228	50	*	*	PUNCT
fsr-3529	228	51	(	(	PUNCT
fsr-3529	228	52	$	$	SYM
fsr-3529	228	53	0.00704	0.00704	NUM
fsr-3529	228	54	)	)	PUNCT
fsr-3529	228	55	(	(	PUNCT
fsr-3529	228	56	$	$	SYM
fsr-3529	228	57	0.00329	0.00329	NUM
fsr-3529	228	58	)	)	PUNCT
fsr-3529	228	59	notes	note	NOUN
fsr-3529	228	60	.	.	PUNCT
fsr-3529	229	1	the	the	DET
fsr-3529	229	2	number	number	NOUN
fsr-3529	229	3	of	of	ADP
fsr-3529	229	4	observations	observation	NOUN
fsr-3529	229	5	is	be	AUX
fsr-3529	229	6	49,690	49,690	NUM
fsr-3529	229	7	.	.	PUNCT
fsr-3529	230	1	*	*	PUNCT
fsr-3529	231	1	*	*	PUNCT
fsr-3529	231	2	*	*	ADJ
fsr-3529	231	3	statistically	statistically	ADV
fsr-3529	231	4	significant	significant	ADJ
fsr-3529	231	5	at	at	ADP
fsr-3529	231	6	0.1percent	0.1percent	NUM
fsr-3529	231	7	level	level	NOUN
fsr-3529	231	8	.	.	PUNCT
fsr-3529	232	1	*	*	PUNCT
fsr-3529	232	2	*	*	PUNCT
fsr-3529	232	3	statistically	statistically	ADV
fsr-3529	232	4	significant	significant	ADJ
fsr-3529	232	5	at	at	ADP
fsr-3529	232	6	1percent	1percent	NUM
fsr-3529	232	7	level	level	NOUN
fsr-3529	232	8	.	.	PUNCT
fsr-3529	233	1	*	*	PUNCT
fsr-3529	233	2	statistically	statistically	ADV
fsr-3529	233	3	significant	significant	ADJ
fsr-3529	233	4	at	at	ADP
fsr-3529	233	5	5percent	5percent	NUM
fsr-3529	233	6	level	level	NOUN
fsr-3529	233	7	.	.	PUNCT
fsr-3529	234	1	z.	z.	PROPN
fsr-3529	234	2	liu	liu	PROPN
fsr-3529	234	3	et	et	PROPN
fsr-3529	234	4	al	al	PROPN
fsr-3529	234	5	.	.	PUNCT
fsr-3529	234	6	/	/	SYM
fsr-3529	234	7	financial	financial	ADJ
fsr-3529	234	8	services	service	NOUN
fsr-3529	234	9	review	review	VERB
fsr-3529	234	10	31	31	NUM
fsr-3529	234	11	(	(	PUNCT
fsr-3529	234	12	2023	2023	NUM
fsr-3529	234	13	)	)	PUNCT
fsr-3529	234	14	107–120	107–120	NUM
fsr-3529	234	15	117	117	NUM
fsr-3529	234	16	horizon	horizon	NOUN
fsr-3529	234	17	,	,	PUNCT
fsr-3529	234	18	which	which	PRON
fsr-3529	234	19	is	be	AUX
fsr-3529	234	20	one	one	NUM
fsr-3529	234	21	of	of	ADP
fsr-3529	234	22	the	the	DET
fsr-3529	234	23	most	most	ADV
fsr-3529	234	24	important	important	ADJ
fsr-3529	234	25	areas	area	NOUN
fsr-3529	234	26	of	of	ADP
fsr-3529	234	27	economic	economic	ADJ
fsr-3529	234	28	decision	decision	NOUN
fsr-3529	234	29	-	-	PUNCT
fsr-3529	234	30	making	making	NOUN
fsr-3529	234	31	for	for	ADP
fsr-3529	234	32	both	both	DET
fsr-3529	234	33	individuals	individual	NOUN
fsr-3529	234	34	and	and	CCONJ
fsr-3529	234	35	households	household	NOUN
fsr-3529	234	36	.	.	PUNCT
fsr-3529	235	1	the	the	DET
fsr-3529	235	2	discoveries	discovery	NOUN
fsr-3529	235	3	in	in	ADP
fsr-3529	235	4	this	this	DET
fsr-3529	235	5	paper	paper	NOUN
fsr-3529	235	6	demonstrate	demonstrate	VERB
fsr-3529	235	7	that	that	SCONJ
fsr-3529	235	8	financial	financial	ADJ
fsr-3529	235	9	planning	planning	NOUN
fsr-3529	235	10	time	time	NOUN
fsr-3529	235	11	horizon	horizon	NOUN
fsr-3529	235	12	is	be	AUX
fsr-3529	235	13	not	not	PART
fsr-3529	235	14	stable	stable	ADJ
fsr-3529	235	15	among	among	ADP
fsr-3529	235	16	older	old	ADJ
fsr-3529	235	17	american	american	ADJ
fsr-3529	235	18	adults	adult	NOUN
fsr-3529	235	19	and	and	CCONJ
fsr-3529	235	20	can	can	AUX
fsr-3529	235	21	be	be	AUX
fsr-3529	235	22	expected	expect	VERB
fsr-3529	235	23	to	to	PART
fsr-3529	235	24	change	change	VERB
fsr-3529	235	25	in	in	ADP
fsr-3529	235	26	later	later	ADJ
fsr-3529	235	27	life	life	NOUN
fsr-3529	235	28	,	,	PUNCT
fsr-3529	235	29	both	both	CCONJ
fsr-3529	235	30	rationally	rationally	ADV
fsr-3529	235	31	and	and	CCONJ
fsr-3529	235	32	empirically	empirically	ADV
fsr-3529	235	33	.	.	PUNCT
fsr-3529	236	1	therefore	therefore	ADV
fsr-3529	236	2	,	,	PUNCT
fsr-3529	236	3	practitioners	practitioner	NOUN
fsr-3529	236	4	should	should	AUX
fsr-3529	236	5	take	take	VERB
fsr-3529	236	6	into	into	ADP
fsr-3529	236	7	consideration	consideration	NOUN
fsr-3529	236	8	that	that	SCONJ
fsr-3529	236	9	clients	client	NOUN
fsr-3529	236	10	’	’	PART
fsr-3529	236	11	self	self	NOUN
fsr-3529	236	12	-	-	PUNCT
fsr-3529	236	13	perceived	perceive	VERB
fsr-3529	236	14	life	life	NOUN
fsr-3529	236	15	expectancy	expectancy	NOUN
fsr-3529	236	16	has	have	AUX
fsr-3529	236	17	a	a	DET
fsr-3529	236	18	significant	significant	ADJ
fsr-3529	236	19	impact	impact	NOUN
fsr-3529	236	20	on	on	ADP
fsr-3529	236	21	their	their	PRON
fsr-3529	236	22	financial	financial	ADJ
fsr-3529	236	23	planning	planning	NOUN
fsr-3529	236	24	time	time	NOUN
fsr-3529	236	25	horizon	horizon	NOUN
fsr-3529	236	26	later	later	ADV
fsr-3529	236	27	in	in	ADP
fsr-3529	236	28	life	life	NOUN
fsr-3529	236	29	.	.	PUNCT
fsr-3529	237	1	if	if	SCONJ
fsr-3529	237	2	the	the	DET
fsr-3529	237	3	practitioners	practitioner	NOUN
fsr-3529	237	4	want	want	VERB
fsr-3529	237	5	to	to	PART
fsr-3529	237	6	encourage	encourage	VERB
fsr-3529	237	7	longer	long	ADJ
fsr-3529	237	8	financial	financial	ADJ
fsr-3529	237	9	planning	planning	NOUN
fsr-3529	237	10	horizon	horizon	NOUN
fsr-3529	237	11	at	at	ADP
fsr-3529	237	12	the	the	DET
fsr-3529	237	13	later	later	ADJ
fsr-3529	237	14	life	life	NOUN
fsr-3529	237	15	stages	stage	NOUN
fsr-3529	237	16	,	,	PUNCT
fsr-3529	237	17	non	non	ADJ
fsr-3529	237	18	-	-	ADJ
fsr-3529	237	19	consumption	consumption	ADJ
fsr-3529	237	20	issues	issue	NOUN
fsr-3529	237	21	,	,	PUNCT
fsr-3529	237	22	such	such	ADJ
fsr-3529	237	23	as	as	ADP
fsr-3529	237	24	bequest	bequest	NOUN
fsr-3529	237	25	motives	motive	NOUN
fsr-3529	237	26	,	,	PUNCT
fsr-3529	237	27	may	may	AUX
fsr-3529	237	28	become	become	VERB
fsr-3529	237	29	more	more	ADV
fsr-3529	237	30	important	important	ADJ
fsr-3529	237	31	.	.	PUNCT
fsr-3529	238	1	7	7	X
fsr-3529	238	2	.	.	X
fsr-3529	238	3	future	future	ADJ
fsr-3529	238	4	research	research	NOUN
fsr-3529	238	5	this	this	DET
fsr-3529	238	6	paper	paper	NOUN
fsr-3529	238	7	presents	present	VERB
fsr-3529	238	8	a	a	DET
fsr-3529	238	9	new	new	ADJ
fsr-3529	238	10	way	way	NOUN
fsr-3529	238	11	to	to	PART
fsr-3529	238	12	construct	construct	VERB
fsr-3529	238	13	the	the	DET
fsr-3529	238	14	variable	variable	NOUN
fsr-3529	238	15	that	that	PRON
fsr-3529	238	16	depicts	depict	VERB
fsr-3529	238	17	the	the	DET
fsr-3529	238	18	respondents	respondent	NOUN
fsr-3529	238	19	’	'	PUNCT
fsr-3529	238	20	selfperceived	selfperceive	VERB
fsr-3529	238	21	life	life	NOUN
fsr-3529	238	22	expectancy	expectancy	NOUN
fsr-3529	238	23	using	use	VERB
fsr-3529	238	24	the	the	DET
fsr-3529	238	25	health	health	NOUN
fsr-3529	238	26	and	and	CCONJ
fsr-3529	238	27	retirement	retirement	NOUN
fsr-3529	238	28	study	study	NOUN
fsr-3529	238	29	data	datum	NOUN
fsr-3529	238	30	.	.	PUNCT
fsr-3529	239	1	this	this	DET
fsr-3529	239	2	life	life	NOUN
fsr-3529	239	3	expectancy	expectancy	NOUN
fsr-3529	239	4	variable	variable	NOUN
fsr-3529	239	5	has	have	VERB
fsr-3529	239	6	an	an	DET
fsr-3529	239	7	inverse	inverse	NOUN
fsr-3529	239	8	relationship	relationship	NOUN
fsr-3529	239	9	with	with	ADP
fsr-3529	239	10	the	the	DET
fsr-3529	239	11	respondent	respondent	NOUN
fsr-3529	239	12	’s	’s	PART
fsr-3529	239	13	age	age	NOUN
fsr-3529	239	14	and	and	CCONJ
fsr-3529	239	15	this	this	DET
fsr-3529	239	16	inverse	inverse	NOUN
fsr-3529	239	17	relationship	relationship	NOUN
fsr-3529	239	18	is	be	AUX
fsr-3529	239	19	verified	verify	VERB
fsr-3529	239	20	with	with	ADP
fsr-3529	239	21	ols	ol	NOUN
fsr-3529	239	22	regression	regression	NOUN
fsr-3529	239	23	analysis	analysis	NOUN
fsr-3529	239	24	.	.	PUNCT
fsr-3529	240	1	more	more	ADV
fsr-3529	240	2	robust	robust	ADJ
fsr-3529	240	3	tests	test	NOUN
fsr-3529	240	4	can	can	AUX
fsr-3529	240	5	be	be	AUX
fsr-3529	240	6	performed	perform	VERB
fsr-3529	240	7	on	on	ADP
fsr-3529	240	8	this	this	DET
fsr-3529	240	9	self	self	NOUN
fsr-3529	240	10	-	-	PUNCT
fsr-3529	240	11	perceived	perceive	VERB
fsr-3529	240	12	life	life	NOUN
fsr-3529	240	13	expectancy	expectancy	NOUN
fsr-3529	240	14	variable	variable	NOUN
fsr-3529	240	15	to	to	PART
fsr-3529	240	16	examine	examine	VERB
fsr-3529	240	17	whether	whether	SCONJ
fsr-3529	240	18	it	it	PRON
fsr-3529	240	19	is	be	AUX
fsr-3529	240	20	a	a	DET
fsr-3529	240	21	good	good	ADJ
fsr-3529	240	22	measurement	measurement	NOUN
fsr-3529	240	23	of	of	ADP
fsr-3529	240	24	the	the	DET
fsr-3529	240	25	respondents	respondent	NOUN
fsr-3529	240	26	’	’	PART
fsr-3529	240	27	longevity	longevity	NOUN
fsr-3529	240	28	expectation	expectation	NOUN
fsr-3529	240	29	and	and	CCONJ
fsr-3529	240	30	whether	whether	SCONJ
fsr-3529	240	31	it	it	PRON
fsr-3529	240	32	can	can	AUX
fsr-3529	240	33	be	be	AUX
fsr-3529	240	34	used	use	VERB
fsr-3529	240	35	to	to	PART
fsr-3529	240	36	construct	construct	VERB
fsr-3529	240	37	an	an	DET
fsr-3529	240	38	indicator	indicator	NOUN
fsr-3529	240	39	for	for	ADP
fsr-3529	240	40	their	their	PRON
fsr-3529	240	41	mortality	mortality	NOUN
fsr-3529	240	42	salience	salience	NOUN
fsr-3529	240	43	.	.	PUNCT
fsr-3529	241	1	once	once	SCONJ
fsr-3529	241	2	these	these	DET
fsr-3529	241	3	tests	test	NOUN
fsr-3529	241	4	are	be	AUX
fsr-3529	241	5	performed	perform	VERB
fsr-3529	241	6	and	and	CCONJ
fsr-3529	241	7	approved	approve	VERB
fsr-3529	241	8	positive	positive	ADJ
fsr-3529	241	9	,	,	PUNCT
fsr-3529	241	10	this	this	DET
fsr-3529	241	11	variable	variable	NOUN
fsr-3529	241	12	can	can	AUX
fsr-3529	241	13	then	then	ADV
fsr-3529	241	14	be	be	AUX
fsr-3529	241	15	widely	widely	ADV
fsr-3529	241	16	used	use	VERB
fsr-3529	241	17	as	as	ADP
fsr-3529	241	18	a	a	DET
fsr-3529	241	19	measure	measure	NOUN
fsr-3529	241	20	of	of	ADP
fsr-3529	241	21	self	self	NOUN
fsr-3529	241	22	-	-	PUNCT
fsr-3529	241	23	perceived	perceive	VERB
fsr-3529	241	24	longevity	longevity	NOUN
fsr-3529	241	25	(	(	PUNCT
fsr-3529	241	26	or	or	CCONJ
fsr-3529	241	27	mortality	mortality	NOUN
fsr-3529	241	28	salience	salience	NOUN
fsr-3529	241	29	)	)	PUNCT
fsr-3529	241	30	for	for	ADP
fsr-3529	241	31	studies	study	NOUN
fsr-3529	241	32	in	in	ADP
fsr-3529	241	33	different	different	ADJ
fsr-3529	241	34	financial	financial	ADJ
fsr-3529	241	35	planning	planning	NOUN
fsr-3529	241	36	fields	field	NOUN
fsr-3529	241	37	such	such	ADJ
fsr-3529	241	38	as	as	ADP
fsr-3529	241	39	bequest	bequest	NOUN
fsr-3529	241	40	motives	motive	NOUN
fsr-3529	241	41	,	,	PUNCT
fsr-3529	241	42	investment	investment	NOUN
fsr-3529	241	43	choices	choice	NOUN
fsr-3529	241	44	,	,	PUNCT
fsr-3529	241	45	longterm	longterm	NOUN
fsr-3529	241	46	care	care	NOUN
fsr-3529	241	47	insurance	insurance	NOUN
fsr-3529	241	48	adoptions	adoption	NOUN
fsr-3529	241	49	,	,	PUNCT
fsr-3529	241	50	and	and	CCONJ
fsr-3529	241	51	estate	estate	NOUN
fsr-3529	241	52	planning	planning	NOUN
fsr-3529	241	53	decisions	decision	NOUN
fsr-3529	241	54	.	.	PUNCT
fsr-3529	242	1	table	table	NOUN
fsr-3529	242	2	6	6	NUM
fsr-3529	242	3	marginal	marginal	ADJ
fsr-3529	242	4	effects	effect	NOUN
fsr-3529	242	5	of	of	ADP
fsr-3529	242	6	longitudinal	longitudinal	ADJ
fsr-3529	242	7	ordered	order	VERB
fsr-3529	242	8	probit	probit	NOUN
fsr-3529	242	9	regression	regression	NOUN
fsr-3529	242	10	variables	variable	NOUN
fsr-3529	242	11	average	average	ADJ
fsr-3529	242	12	marginal	marginal	ADJ
fsr-3529	242	13	effects	effect	NOUN
fsr-3529	242	14	financial	financial	ADJ
fsr-3529	242	15	planning	planning	NOUN
fsr-3529	242	16	horizon	horizon	NOUN
fsr-3529	242	17	next	next	ADJ
fsr-3529	242	18	few	few	ADJ
fsr-3529	242	19	months	month	NOUN
fsr-3529	242	20	next	next	ADP
fsr-3529	242	21	year	year	NOUN
fsr-3529	242	22	next	next	ADP
fsr-3529	242	23	few	few	ADJ
fsr-3529	242	24	years	year	NOUN
fsr-3529	242	25	next	next	ADP
fsr-3529	242	26	5	5	NUM
fsr-3529	242	27	-	-	SYM
fsr-3529	242	28	10	10	NUM
fsr-3529	242	29	years	year	NOUN
fsr-3529	242	30	longer	long	ADJ
fsr-3529	242	31	than	than	ADP
fsr-3529	242	32	10	10	NUM
fsr-3529	242	33	years	year	NOUN
fsr-3529	242	34	threshold	threshold	NOUN
fsr-3529	242	35	parameters	parameter	NOUN
fsr-3529	242	36	1	1	NUM
fsr-3529	242	37	2	2	NUM
fsr-3529	242	38	3	3	NUM
fsr-3529	242	39	4	4	NUM
fsr-3529	242	40	5	5	NUM
fsr-3529	242	41	years	year	NOUN
fsr-3529	242	42	to	to	PART
fsr-3529	242	43	live	live	VERB
fsr-3529	242	44	$	$	SYM
fsr-3529	242	45	0.0019	0.0019	NUM
fsr-3529	242	46	*	*	PUNCT
fsr-3529	242	47	*	*	PUNCT
fsr-3529	242	48	*	*	PUNCT
fsr-3529	242	49	$	$	SYM
fsr-3529	242	50	0.0009	0.0009	NUM
fsr-3529	242	51	*	*	PUNCT
fsr-3529	242	52	*	*	PUNCT
fsr-3529	242	53	*	*	PUNCT
fsr-3529	242	54	$	$	SYM
fsr-3529	242	55	0.0006	0.0006	NUM
fsr-3529	242	56	*	*	PUNCT
fsr-3529	242	57	*	*	PUNCT
fsr-3529	242	58	*	*	PUNCT
fsr-3529	243	1	0.0014	0.0014	NUM
fsr-3529	243	2	*	*	PUNCT
fsr-3529	243	3	*	*	PUNCT
fsr-3529	243	4	*	*	PUNCT
fsr-3529	243	5	0.0019	0.0019	NUM
fsr-3529	243	6	*	*	PUNCT
fsr-3529	243	7	*	*	PUNCT
fsr-3529	243	8	*	*	PUNCT
fsr-3529	243	9	(	(	PUNCT
fsr-3529	243	10	0.0001	0.0001	NUM
fsr-3529	243	11	)	)	PUNCT
fsr-3529	243	12	(	(	PUNCT
fsr-3529	243	13	0.0001	0.0001	NUM
fsr-3529	243	14	)	)	PUNCT
fsr-3529	243	15	(	(	PUNCT
fsr-3529	243	16	0.0000	0.0000	NUM
fsr-3529	243	17	)	)	PUNCT
fsr-3529	243	18	(	(	PUNCT
fsr-3529	243	19	0.0001	0.0001	NUM
fsr-3529	243	20	)	)	PUNCT
fsr-3529	243	21	(	(	PUNCT
fsr-3529	243	22	0.0001	0.0001	NUM
fsr-3529	243	23	)	)	PUNCT
fsr-3529	243	24	married	marry	VERB
fsr-3529	243	25	$	$	SYM
fsr-3529	243	26	0.0135	0.0135	NUM
fsr-3529	243	27	*	*	PUNCT
fsr-3529	243	28	*	*	PUNCT
fsr-3529	243	29	*	*	PUNCT
fsr-3529	243	30	$	$	SYM
fsr-3529	243	31	0.0062	0.0062	NUM
fsr-3529	243	32	*	*	NOUN
fsr-3529	243	33	*	*	PUNCT
fsr-3529	243	34	*	*	PUNCT
fsr-3529	243	35	$	$	SYM
fsr-3529	243	36	0.0042	0.0042	NUM
fsr-3529	243	37	*	*	PUNCT
fsr-3529	243	38	*	*	PUNCT
fsr-3529	243	39	*	*	PUNCT
fsr-3529	243	40	0.0104	0.0104	NUM
fsr-3529	243	41	*	*	PUNCT
fsr-3529	243	42	*	*	PUNCT
fsr-3529	243	43	*	*	PUNCT
fsr-3529	243	44	0.0135	0.0135	NUM
fsr-3529	243	45	*	*	PUNCT
fsr-3529	243	46	*	*	PUNCT
fsr-3529	243	47	*	*	PUNCT
fsr-3529	243	48	(	(	PUNCT
fsr-3529	243	49	0.0027	0.0027	NUM
fsr-3529	243	50	)	)	PUNCT
fsr-3529	243	51	(	(	PUNCT
fsr-3529	243	52	0.0012	0.0012	NUM
fsr-3529	243	53	)	)	PUNCT
fsr-3529	243	54	(	(	PUNCT
fsr-3529	243	55	0.0009	0.0009	NUM
fsr-3529	243	56	)	)	PUNCT
fsr-3529	243	57	(	(	PUNCT
fsr-3529	243	58	0.0021	0.0021	NUM
fsr-3529	243	59	)	)	PUNCT
fsr-3529	243	60	(	(	PUNCT
fsr-3529	243	61	0.0027	0.0027	NUM
fsr-3529	243	62	)	)	PUNCT
fsr-3529	243	63	presence	presence	NOUN
fsr-3529	243	64	of	of	ADP
fsr-3529	243	65	child	child	NOUN
fsr-3529	243	66	0.0129	0.0129	NUM
fsr-3529	243	67	*	*	PROPN
fsr-3529	243	68	*	*	PUNCT
fsr-3529	243	69	0.0059	0.0059	NUM
fsr-3529	243	70	*	*	PUNCT
fsr-3529	243	71	*	*	X
fsr-3529	243	72	0.0040	0.0040	NUM
fsr-3529	243	73	*	*	NOUN
fsr-3529	243	74	*	*	PUNCT
fsr-3529	243	75	$	$	SYM
fsr-3529	243	76	0.0100	0.0100	NUM
fsr-3529	243	77	*	*	PUNCT
fsr-3529	243	78	*	*	PUNCT
fsr-3529	243	79	$	$	SYM
fsr-3529	243	80	0.0129	0.0129	NUM
fsr-3529	243	81	*	*	PUNCT
fsr-3529	243	82	*	*	PUNCT
fsr-3529	243	83	(	(	PUNCT
fsr-3529	243	84	0.0045	0.0045	NUM
fsr-3529	243	85	)	)	PUNCT
fsr-3529	243	86	(	(	PUNCT
fsr-3529	243	87	0.0021	0.0021	NUM
fsr-3529	243	88	)	)	PUNCT
fsr-3529	243	89	(	(	PUNCT
fsr-3529	243	90	0.0014	0.0014	NUM
fsr-3529	243	91	)	)	PUNCT
fsr-3529	243	92	(	(	PUNCT
fsr-3529	243	93	0.0035	0.0035	NUM
fsr-3529	243	94	)	)	PUNCT
fsr-3529	243	95	(	(	PUNCT
fsr-3529	243	96	0.0045	0.0045	NUM
fsr-3529	243	97	)	)	PUNCT
fsr-3529	243	98	retired	retire	VERB
fsr-3529	243	99	$	$	SYM
fsr-3529	243	100	0.0083	0.0083	NUM
fsr-3529	243	101	*	*	PUNCT
fsr-3529	243	102	*	*	PUNCT
fsr-3529	243	103	*	*	PUNCT
fsr-3529	243	104	$	$	SYM
fsr-3529	243	105	0.0038	0.0038	NUM
fsr-3529	243	106	*	*	PUNCT
fsr-3529	243	107	*	*	PUNCT
fsr-3529	243	108	*	*	PUNCT
fsr-3529	243	109	$	$	SYM
fsr-3529	243	110	0.0026	0.0026	NUM
fsr-3529	243	111	*	*	PUNCT
fsr-3529	243	112	*	*	PUNCT
fsr-3529	243	113	*	*	PUNCT
fsr-3529	244	1	0.0064	0.0064	NUM
fsr-3529	244	2	*	*	X
fsr-3529	244	3	*	*	PUNCT
fsr-3529	244	4	*	*	PUNCT
fsr-3529	245	1	0.0083	0.0083	NUM
fsr-3529	245	2	*	*	PUNCT
fsr-3529	245	3	*	*	PUNCT
fsr-3529	245	4	*	*	PUNCT
fsr-3529	245	5	(	(	PUNCT
fsr-3529	245	6	0.0024	0.0024	NUM
fsr-3529	245	7	)	)	PUNCT
fsr-3529	245	8	(	(	PUNCT
fsr-3529	245	9	0.0011	0.0011	NUM
fsr-3529	245	10	)	)	PUNCT
fsr-3529	245	11	(	(	PUNCT
fsr-3529	245	12	0.0007	0.0007	NUM
fsr-3529	245	13	)	)	PUNCT
fsr-3529	245	14	(	(	PUNCT
fsr-3529	245	15	0.0018	0.0018	NUM
fsr-3529	245	16	)	)	PUNCT
fsr-3529	245	17	(	(	PUNCT
fsr-3529	245	18	0.0023	0.0023	NUM
fsr-3529	245	19	)	)	PUNCT
fsr-3529	245	20	cancer	cancer	NOUN
fsr-3529	245	21	0.0031	0.0031	NUM
fsr-3529	245	22	0.0014	0.0014	NUM
fsr-3529	245	23	0.0010	0.0010	NUM
fsr-3529	245	24	$	$	SYM
fsr-3529	245	25	0.0024	0.0024	NUM
fsr-3529	245	26	$	$	SYM
fsr-3529	245	27	0.0031	0.0031	NUM
fsr-3529	245	28	(	(	PUNCT
fsr-3529	245	29	0.0036	0.0036	NUM
fsr-3529	245	30	)	)	PUNCT
fsr-3529	245	31	(	(	PUNCT
fsr-3529	245	32	0.0017	0.0017	NUM
fsr-3529	245	33	)	)	PUNCT
fsr-3529	245	34	(	(	PUNCT
fsr-3529	245	35	0.0011	0.0011	NUM
fsr-3529	245	36	)	)	PUNCT
fsr-3529	245	37	(	(	PUNCT
fsr-3529	245	38	0.0028	0.0028	NUM
fsr-3529	245	39	)	)	PUNCT
fsr-3529	245	40	(	(	PUNCT
fsr-3529	245	41	0.0036	0.0036	NUM
fsr-3529	245	42	)	)	PUNCT
fsr-3529	245	43	heart	heart	NOUN
fsr-3529	245	44	condition	condition	NOUN
fsr-3529	245	45	0.0102	0.0102	NUM
fsr-3529	245	46	*	*	PUNCT
fsr-3529	245	47	*	*	PUNCT
fsr-3529	245	48	*	*	PUNCT
fsr-3529	245	49	0.0047	0.0047	NUM
fsr-3529	245	50	*	*	PUNCT
fsr-3529	245	51	*	*	PUNCT
fsr-3529	245	52	*	*	NOUN
fsr-3529	245	53	0.0032	0.0032	NUM
fsr-3529	245	54	*	*	PUNCT
fsr-3529	245	55	*	*	PUNCT
fsr-3529	245	56	*	*	PUNCT
fsr-3529	245	57	$	$	SYM
fsr-3529	245	58	0.0079	0.0079	NUM
fsr-3529	245	59	*	*	PUNCT
fsr-3529	245	60	*	*	PUNCT
fsr-3529	245	61	*	*	PUNCT
fsr-3529	245	62	$	$	SYM
fsr-3529	245	63	0.0102	0.0102	NUM
fsr-3529	245	64	*	*	PUNCT
fsr-3529	245	65	*	*	PUNCT
fsr-3529	245	66	*	*	PUNCT
fsr-3529	245	67	(	(	PUNCT
fsr-3529	245	68	0.0031	0.0031	NUM
fsr-3529	245	69	)	)	PUNCT
fsr-3529	245	70	(	(	PUNCT
fsr-3529	245	71	0.0014	0.0014	NUM
fsr-3529	245	72	)	)	PUNCT
fsr-3529	245	73	(	(	PUNCT
fsr-3529	245	74	0.0010	0.0010	NUM
fsr-3529	245	75	)	)	PUNCT
fsr-3529	245	76	(	(	PUNCT
fsr-3529	245	77	0.0024	0.0024	NUM
fsr-3529	245	78	)	)	PUNCT
fsr-3529	245	79	(	(	PUNCT
fsr-3529	245	80	0.0030	0.0030	NUM
fsr-3529	245	81	)	)	PUNCT
fsr-3529	245	82	wealth	wealth	NOUN
fsr-3529	245	83	$	$	SYM
fsr-3529	245	84	0.0190	0.0190	NUM
fsr-3529	245	85	*	*	PUNCT
fsr-3529	245	86	*	*	PUNCT
fsr-3529	245	87	*	*	PUNCT
fsr-3529	245	88	$	$	SYM
fsr-3529	245	89	0.0087	0.0087	NUM
fsr-3529	245	90	*	*	PUNCT
fsr-3529	245	91	*	*	PUNCT
fsr-3529	245	92	*	*	PUNCT
fsr-3529	245	93	$	$	SYM
fsr-3529	245	94	0.0059	0.0059	NUM
fsr-3529	245	95	*	*	PUNCT
fsr-3529	245	96	*	*	PUNCT
fsr-3529	245	97	*	*	PUNCT
fsr-3529	245	98	0.0147	0.0147	NUM
fsr-3529	245	99	*	*	PUNCT
fsr-3529	245	100	*	*	PUNCT
fsr-3529	245	101	*	*	PUNCT
fsr-3529	245	102	0.0190	0.0190	NUM
fsr-3529	245	103	*	*	PUNCT
fsr-3529	245	104	*	*	PUNCT
fsr-3529	245	105	*	*	PUNCT
fsr-3529	245	106	(	(	PUNCT
fsr-3529	245	107	0.0006	0.0006	NUM
fsr-3529	245	108	)	)	PUNCT
fsr-3529	245	109	(	(	PUNCT
fsr-3529	245	110	0.0003	0.0003	NUM
fsr-3529	245	111	)	)	PUNCT
fsr-3529	245	112	(	(	PUNCT
fsr-3529	245	113	0.0002	0.0002	NUM
fsr-3529	245	114	)	)	PUNCT
fsr-3529	245	115	(	(	PUNCT
fsr-3529	245	116	0.0005	0.0005	NUM
fsr-3529	245	117	)	)	PUNCT
fsr-3529	245	118	(	(	PUNCT
fsr-3529	245	119	0.0006	0.0006	NUM
fsr-3529	245	120	)	)	PUNCT
fsr-3529	245	121	notes	note	NOUN
fsr-3529	245	122	.	.	PUNCT
fsr-3529	246	1	the	the	DET
fsr-3529	246	2	number	number	NOUN
fsr-3529	246	3	of	of	ADP
fsr-3529	246	4	observations	observation	NOUN
fsr-3529	246	5	is	be	AUX
fsr-3529	246	6	49,690	49,690	NUM
fsr-3529	246	7	.	.	PUNCT
fsr-3529	247	1	respondent	respondent	NOUN
fsr-3529	247	2	-	-	PUNCT
fsr-3529	247	3	level	level	NOUN
fsr-3529	247	4	sample	sample	NOUN
fsr-3529	247	5	weights	weight	NOUN
fsr-3529	247	6	are	be	AUX
fsr-3529	247	7	applied	apply	VERB
fsr-3529	247	8	.	.	PUNCT
fsr-3529	248	1	standard	standard	ADJ
fsr-3529	248	2	errors	error	NOUN
fsr-3529	248	3	are	be	AUX
fsr-3529	248	4	reported	report	VERB
fsr-3529	248	5	in	in	ADP
fsr-3529	248	6	parentheses	parenthesis	NOUN
fsr-3529	248	7	.	.	PUNCT
fsr-3529	249	1	*	*	PUNCT
fsr-3529	249	2	*	*	PUNCT
fsr-3529	249	3	*	*	ADJ
fsr-3529	249	4	statistically	statistically	ADV
fsr-3529	249	5	significant	significant	ADJ
fsr-3529	249	6	at	at	ADP
fsr-3529	249	7	0.1percent	0.1percent	NUM
fsr-3529	249	8	level	level	NOUN
fsr-3529	249	9	.	.	PUNCT
fsr-3529	250	1	*	*	PUNCT
fsr-3529	250	2	*	*	PUNCT
fsr-3529	250	3	statistically	statistically	ADV
fsr-3529	250	4	significant	significant	ADJ
fsr-3529	250	5	at	at	ADP
fsr-3529	250	6	1percent	1percent	NUM
fsr-3529	250	7	level	level	NOUN
fsr-3529	250	8	.	.	PUNCT
fsr-3529	251	1	*	*	PUNCT
fsr-3529	251	2	statistically	statistically	ADV
fsr-3529	251	3	significant	significant	ADJ
fsr-3529	251	4	at	at	ADP
fsr-3529	251	5	5percent	5percent	NUM
fsr-3529	251	6	level	level	NOUN
fsr-3529	251	7	.	.	PUNCT
fsr-3529	252	1	118	118	NUM
fsr-3529	252	2	z.	z.	PROPN
fsr-3529	252	3	liu	liu	PROPN
fsr-3529	252	4	et	et	PROPN
fsr-3529	252	5	al	al	PROPN
fsr-3529	252	6	.	.	PUNCT
fsr-3529	252	7	/	/	SYM
fsr-3529	252	8	financial	financial	ADJ
fsr-3529	252	9	services	service	NOUN
fsr-3529	252	10	review	review	VERB
fsr-3529	252	11	31	31	NUM
fsr-3529	252	12	(	(	PUNCT
fsr-3529	252	13	2023	2023	NUM
fsr-3529	252	14	)	)	PUNCT
fsr-3529	252	15	107–120	107–120	NUM
fsr-3529	252	16	literature	literature	NOUN
fsr-3529	252	17	review	review	NOUN
fsr-3529	252	18	suggests	suggest	VERB
fsr-3529	252	19	that	that	SCONJ
fsr-3529	252	20	,	,	PUNCT
fsr-3529	252	21	everything	everything	PRON
fsr-3529	252	22	else	else	ADV
fsr-3529	252	23	equal	equal	ADJ
fsr-3529	252	24	,	,	PUNCT
fsr-3529	252	25	individuals	individual	NOUN
fsr-3529	252	26	with	with	ADP
fsr-3529	252	27	longer	long	ADJ
fsr-3529	252	28	financial	financial	ADJ
fsr-3529	252	29	planning	planning	NOUN
fsr-3529	252	30	time	time	NOUN
fsr-3529	252	31	horizons	horizon	NOUN
fsr-3529	252	32	tend	tend	VERB
fsr-3529	252	33	to	to	PART
fsr-3529	252	34	enjoy	enjoy	VERB
fsr-3529	252	35	good	good	ADJ
fsr-3529	252	36	implications	implication	NOUN
fsr-3529	252	37	of	of	ADP
fsr-3529	252	38	their	their	PRON
fsr-3529	252	39	financial	financial	ADJ
fsr-3529	252	40	decision	decision	NOUN
fsr-3529	252	41	making	making	NOUN
fsr-3529	252	42	.	.	PUNCT
fsr-3529	253	1	for	for	ADP
fsr-3529	253	2	instance	instance	NOUN
fsr-3529	253	3	,	,	PUNCT
fsr-3529	253	4	long	long	ADJ
fsr-3529	253	5	-	-	PUNCT
fsr-3529	253	6	term	term	NOUN
fsr-3529	253	7	planners	planner	NOUN
fsr-3529	253	8	are	be	AUX
fsr-3529	253	9	more	more	ADV
fsr-3529	253	10	likely	likely	ADJ
fsr-3529	253	11	to	to	PART
fsr-3529	253	12	meet	meet	VERB
fsr-3529	253	13	certain	certain	ADJ
fsr-3529	253	14	saving	saving	NOUN
fsr-3529	253	15	guidelines	guideline	NOUN
fsr-3529	253	16	,	,	PUNCT
fsr-3529	253	17	use	use	VERB
fsr-3529	253	18	credit	credit	NOUN
fsr-3529	253	19	cards	card	NOUN
fsr-3529	253	20	for	for	ADP
fsr-3529	253	21	convenience	convenience	NOUN
fsr-3529	253	22	instead	instead	ADV
fsr-3529	253	23	of	of	ADP
fsr-3529	253	24	revolving	revolve	VERB
fsr-3529	253	25	debts	debt	NOUN
fsr-3529	253	26	,	,	PUNCT
fsr-3529	253	27	hold	hold	VERB
fsr-3529	253	28	relatively	relatively	ADV
fsr-3529	253	29	more	more	ADJ
fsr-3529	253	30	stocks	stock	NOUN
fsr-3529	253	31	in	in	ADP
fsr-3529	253	32	their	their	PRON
fsr-3529	253	33	portfolio	portfolio	NOUN
fsr-3529	253	34	,	,	PUNCT
fsr-3529	253	35	and	and	CCONJ
fsr-3529	253	36	have	have	VERB
fsr-3529	253	37	valid	valid	ADJ
fsr-3529	253	38	estate	estate	NOUN
fsr-3529	253	39	planning	planning	NOUN
fsr-3529	253	40	documents	document	NOUN
fsr-3529	253	41	.	.	PUNCT
fsr-3529	254	1	future	future	ADJ
fsr-3529	254	2	studies	study	NOUN
fsr-3529	254	3	can	can	AUX
fsr-3529	254	4	further	far	ADV
fsr-3529	254	5	explore	explore	VERB
fsr-3529	254	6	different	different	ADJ
fsr-3529	254	7	behavioral	behavioral	ADJ
fsr-3529	254	8	strategies	strategy	NOUN
fsr-3529	254	9	on	on	ADP
fsr-3529	254	10	how	how	SCONJ
fsr-3529	254	11	to	to	PART
fsr-3529	254	12	educate	educate	VERB
fsr-3529	254	13	clients	client	NOUN
fsr-3529	254	14	about	about	ADP
fsr-3529	254	15	the	the	DET
fsr-3529	254	16	importance	importance	NOUN
fsr-3529	254	17	of	of	ADP
fsr-3529	254	18	longer	long	ADJ
fsr-3529	254	19	-	-	PUNCT
fsr-3529	254	20	term	term	NOUN
fsr-3529	254	21	planning	planning	NOUN
fsr-3529	254	22	and	and	CCONJ
fsr-3529	254	23	promote	promote	VERB
fsr-3529	254	24	this	this	DET
fsr-3529	254	25	type	type	NOUN
fsr-3529	254	26	of	of	ADP
fsr-3529	254	27	financial	financial	ADJ
fsr-3529	254	28	planning	planning	NOUN
fsr-3529	254	29	based	base	VERB
fsr-3529	254	30	on	on	ADP
fsr-3529	254	31	each	each	DET
fsr-3529	254	32	client	client	NOUN
fsr-3529	254	33	’s	’s	PART
fsr-3529	254	34	unique	unique	ADJ
fsr-3529	254	35	situation	situation	NOUN
fsr-3529	254	36	.	.	PUNCT
fsr-3529	255	1	notes	note	NOUN
fsr-3529	255	2	1	1	NUM
fsr-3529	255	3	in	in	ADP
fsr-3529	255	4	the	the	DET
fsr-3529	255	5	special	special	ADJ
fsr-3529	255	6	two	two	NUM
fsr-3529	255	7	-	-	PUNCT
fsr-3529	255	8	period	period	NOUN
fsr-3529	255	9	case	case	NOUN
fsr-3529	255	10	,	,	PUNCT
fsr-3529	255	11	that	that	ADV
fsr-3529	255	12	is	is	ADV
fsr-3529	255	13	,	,	PUNCT
fsr-3529	255	14	t¼1	t¼1	PROPN
fsr-3529	255	15	,	,	PUNCT
fsr-3529	255	16	equation	equation	NOUN
fsr-3529	255	17	(	(	PUNCT
fsr-3529	255	18	2	2	X
fsr-3529	255	19	)	)	PUNCT
fsr-3529	255	20	can	can	AUX
fsr-3529	255	21	be	be	AUX
fsr-3529	255	22	simplified	simplify	VERB
fsr-3529	255	23	as	as	ADP
fsr-3529	255	24	b	b	PROPN
fsr-3529	255	25	0	0	NUM
fsr-3529	255	26	sð	sð	ADP
fsr-3529	255	27	þ	þ	PROPN
fsr-3529	255	28	f1	f1	PROPN
fsr-3529	255	29	c1ð	c1ð	PROPN
fsr-3529	255	30	þ	þ	PROPN
fsr-3529	255	31	!	!	PUNCT
fsr-3529	255	32	"	"	PUNCT
fsr-3529	256	1	=	=	PUNCT
fsr-3529	256	2	k0	k0	PROPN
fsr-3529	256	3	=	=	PUNCT
fsr-3529	256	4	f	f	PROPN
fsr-3529	256	5	0	0	NUM
fsr-3529	256	6	0	0	NUM
fsr-3529	256	7	c0ð	c0ð	NOUN
fsr-3529	256	8	þ	þ	PROPN
fsr-3529	256	9	(	(	PUNCT
fsr-3529	256	10	4	4	NUM
fsr-3529	256	11	)	)	PUNCT
fsr-3529	256	12	2	2	NUM
fsr-3529	256	13	if	if	SCONJ
fsr-3529	256	14	the	the	DET
fsr-3529	256	15	discount	discount	NOUN
fsr-3529	256	16	rate	rate	NOUN
fsr-3529	256	17	is	be	AUX
fsr-3529	256	18	unchanged	unchanged	ADJ
fsr-3529	256	19	,	,	PUNCT
fsr-3529	256	20	becker	becker	NOUN
fsr-3529	256	21	and	and	CCONJ
fsr-3529	256	22	mulligan	mulligan	PROPN
fsr-3529	256	23	(	(	PUNCT
fsr-3529	256	24	1997	1997	NUM
fsr-3529	256	25	)	)	PUNCT
fsr-3529	256	26	suggest	suggest	VERB
fsr-3529	256	27	that	that	SCONJ
fsr-3529	256	28	consumption	consumption	NOUN
fsr-3529	256	29	in	in	ADP
fsr-3529	256	30	the	the	DET
fsr-3529	256	31	first	first	ADJ
fsr-3529	256	32	t	t	NOUN
fsr-3529	256	33	years	year	NOUN
fsr-3529	256	34	would	would	AUX
fsr-3529	256	35	not	not	PART
fsr-3529	256	36	be	be	AUX
fsr-3529	256	37	affected	affect	VERB
fsr-3529	256	38	.	.	PUNCT
fsr-3529	257	1	the	the	DET
fsr-3529	257	2	consumption	consumption	NOUN
fsr-3529	257	3	during	during	ADP
fsr-3529	257	4	dt	dt	PROPN
fsr-3529	257	5	would	would	AUX
fsr-3529	257	6	be	be	AUX
fsr-3529	257	7	positive	positive	ADJ
fsr-3529	257	8	.	.	PUNCT
fsr-3529	258	1	by	by	ADP
fsr-3529	258	2	eq	eq	PROPN
fsr-3529	258	3	.	.	PUNCT
fsr-3529	259	1	(	(	PUNCT
fsr-3529	259	2	3	3	NUM
fsr-3529	259	3	)	)	PUNCT
fsr-3529	259	4	,	,	PUNCT
fsr-3529	259	5	this	this	PRON
fsr-3529	259	6	will	will	AUX
fsr-3529	259	7	cause	cause	VERB
fsr-3529	259	8	an	an	DET
fsr-3529	259	9	increase	increase	NOUN
fsr-3529	259	10	of	of	ADP
fsr-3529	259	11	the	the	DET
fsr-3529	259	12	marginal	marginal	ADJ
fsr-3529	259	13	benefit	benefit	NOUN
fsr-3529	259	14	from	from	ADP
fsr-3529	259	15	time	time	NOUN
fsr-3529	259	16	preference	preference	NOUN
fsr-3529	259	17	investing	investing	NOUN
fsr-3529	259	18	.	.	PUNCT
fsr-3529	260	1	thus	thus	ADV
fsr-3529	260	2	,	,	PUNCT
fsr-3529	260	3	the	the	DET
fsr-3529	260	4	equilibrium	equilibrium	NOUN
fsr-3529	260	5	accumulation	accumulation	NOUN
fsr-3529	260	6	of	of	ADP
fsr-3529	260	7	future	future	ADJ
fsr-3529	260	8	-	-	PUNCT
fsr-3529	260	9	oriented	orient	VERB
fsr-3529	260	10	capital	capital	NOUN
fsr-3529	260	11	is	be	AUX
fsr-3529	260	12	increased	increase	VERB
fsr-3529	260	13	.	.	PUNCT
fsr-3529	261	1	references	reference	NOUN
fsr-3529	261	2	asebedo	asebedo	PROPN
fsr-3529	261	3	,	,	PUNCT
fsr-3529	261	4	s.	s.	PROPN
fsr-3529	261	5	d.	d.	PROPN
fsr-3529	261	6	,	,	PUNCT
fsr-3529	261	7	&	&	CCONJ
fsr-3529	261	8	browning	browning	PROPN
fsr-3529	261	9	,	,	PUNCT
fsr-3529	261	10	c.	c.	PROPN
fsr-3529	261	11	m.	m.	NOUN
fsr-3529	261	12	(	(	PUNCT
fsr-3529	261	13	2020	2020	NUM
fsr-3529	261	14	)	)	PUNCT
fsr-3529	261	15	.	.	PUNCT
fsr-3529	262	1	the	the	DET
fsr-3529	262	2	psychology	psychology	NOUN
fsr-3529	262	3	of	of	ADP
fsr-3529	262	4	portfolio	portfolio	NOUN
fsr-3529	262	5	withdrawal	withdrawal	NOUN
fsr-3529	262	6	rates	rate	NOUN
fsr-3529	262	7	.	.	PUNCT
fsr-3529	263	1	psychology	psychology	NOUN
fsr-3529	263	2	and	and	CCONJ
fsr-3529	263	3	aging	aging	NOUN
fsr-3529	263	4	,	,	PUNCT
fsr-3529	263	5	35	35	NUM
fsr-3529	263	6	,	,	PUNCT
fsr-3529	263	7	78–90	78–90	NUM
fsr-3529	263	8	.	.	PUNCT
fsr-3529	263	9	available	available	ADJ
fsr-3529	263	10	at	at	ADP
fsr-3529	263	11	:	:	PUNCT
fsr-3529	263	12	https://doi.org/10.1037/pag0000424	https://doi.org/10.1037/pag0000424	PROPN
fsr-3529	263	13	ayyagari	ayyagari	PROPN
fsr-3529	263	14	,	,	PUNCT
fsr-3529	263	15	p.	p.	PROPN
fsr-3529	263	16	,	,	PUNCT
fsr-3529	263	17	&	&	CCONJ
fsr-3529	263	18	he	he	PRON
fsr-3529	263	19	,	,	PUNCT
fsr-3529	263	20	d.	d.	PROPN
fsr-3529	263	21	(	(	PUNCT
fsr-3529	263	22	2017	2017	NUM
fsr-3529	263	23	)	)	PUNCT
fsr-3529	263	24	.	.	PUNCT
fsr-3529	264	1	the	the	DET
fsr-3529	264	2	role	role	NOUN
fsr-3529	264	3	of	of	ADP
fsr-3529	264	4	medical	medical	ADJ
fsr-3529	264	5	expenditure	expenditure	NOUN
fsr-3529	264	6	risk	risk	NOUN
fsr-3529	264	7	in	in	ADP
fsr-3529	264	8	portfolio	portfolio	NOUN
fsr-3529	264	9	allocation	allocation	NOUN
fsr-3529	264	10	decisions	decision	NOUN
fsr-3529	264	11	.	.	PUNCT
fsr-3529	265	1	health	health	NOUN
fsr-3529	265	2	economics	economic	NOUN
fsr-3529	265	3	,	,	PUNCT
fsr-3529	265	4	26	26	NUM
fsr-3529	265	5	,	,	PUNCT
fsr-3529	265	6	1447–1458	1447–1458	NUM
fsr-3529	265	7	.	.	PUNCT
fsr-3529	266	1	available	available	ADJ
fsr-3529	266	2	at	at	ADP
fsr-3529	266	3	:	:	PUNCT
fsr-3529	266	4	https://doi.org/10.1002/hec.3437	https://doi.org/10.1002/hec.3437	ADJ
fsr-3529	266	5	baranov	baranov	NOUN
fsr-3529	266	6	,	,	PUNCT
fsr-3529	266	7	v.	v.	ADV
fsr-3529	266	8	,	,	PUNCT
fsr-3529	266	9	&	&	CCONJ
fsr-3529	266	10	kohler	kohler	NOUN
fsr-3529	266	11	,	,	PUNCT
fsr-3529	266	12	h.	h.	PROPN
fsr-3529	266	13	p.	p.	PROPN
fsr-3529	266	14	(	(	PUNCT
fsr-3529	266	15	2018	2018	NUM
fsr-3529	266	16	)	)	PUNCT
fsr-3529	266	17	.	.	PUNCT
fsr-3529	267	1	the	the	DET
fsr-3529	267	2	impact	impact	NOUN
fsr-3529	267	3	of	of	ADP
fsr-3529	267	4	aids	aid	NOUN
fsr-3529	267	5	treatment	treatment	NOUN
fsr-3529	267	6	on	on	ADP
fsr-3529	267	7	savings	saving	NOUN
fsr-3529	267	8	and	and	CCONJ
fsr-3529	267	9	human	human	ADJ
fsr-3529	267	10	capital	capital	NOUN
fsr-3529	267	11	investment	investment	NOUN
fsr-3529	267	12	in	in	ADP
fsr-3529	267	13	malawi	malawi	PROPN
fsr-3529	267	14	.	.	PUNCT
fsr-3529	268	1	american	american	ADJ
fsr-3529	268	2	economic	economic	PROPN
fsr-3529	268	3	journal	journal	PROPN
fsr-3529	268	4	:	:	PUNCT
fsr-3529	268	5	applied	apply	VERB
fsr-3529	268	6	economics	economic	NOUN
fsr-3529	268	7	,	,	PUNCT
fsr-3529	268	8	10	10	NUM
fsr-3529	268	9	,	,	PUNCT
fsr-3529	268	10	266–306	266–306	NUM
fsr-3529	268	11	.	.	PUNCT
fsr-3529	269	1	available	available	ADJ
fsr-3529	269	2	at	at	ADP
fsr-3529	269	3	:	:	PUNCT
fsr-3529	269	4	https://doi.org/10.1257/	https://doi.org/10.1257/	PROPN
fsr-3529	269	5	app.20150369	app.20150369	DET
fsr-3529	269	6	becker	becker	NOUN
fsr-3529	269	7	,	,	PUNCT
fsr-3529	269	8	g.	g.	PROPN
fsr-3529	269	9	s.	s.	PROPN
fsr-3529	269	10	,	,	PUNCT
fsr-3529	269	11	&	&	CCONJ
fsr-3529	269	12	mulligan	mulligan	PROPN
fsr-3529	269	13	,	,	PUNCT
fsr-3529	269	14	c.	c.	PROPN
fsr-3529	269	15	b.	b.	PROPN
fsr-3529	269	16	(	(	PUNCT
fsr-3529	269	17	1997	1997	NUM
fsr-3529	269	18	)	)	PUNCT
fsr-3529	269	19	.	.	PUNCT
fsr-3529	270	1	the	the	DET
fsr-3529	270	2	endogenous	endogenous	ADJ
fsr-3529	270	3	determination	determination	NOUN
fsr-3529	270	4	of	of	ADP
fsr-3529	270	5	time	time	NOUN
fsr-3529	270	6	preference	preference	NOUN
fsr-3529	270	7	.	.	PUNCT
fsr-3529	271	1	the	the	DET
fsr-3529	271	2	quarterly	quarterly	ADJ
fsr-3529	271	3	journal	journal	NOUN
fsr-3529	271	4	of	of	ADP
fsr-3529	271	5	economics	economic	NOUN
fsr-3529	271	6	,	,	PUNCT
fsr-3529	271	7	112	112	NUM
fsr-3529	271	8	,	,	PUNCT
fsr-3529	271	9	729–758	729–758	NUM
fsr-3529	271	10	.	.	PUNCT
fsr-3529	271	11	available	available	ADJ
fsr-3529	271	12	at	at	ADP
fsr-3529	271	13	:	:	PUNCT
fsr-3529	271	14	https://doi.org/10.1162/003355397555334	https://doi.org/10.1162/003355397555334	PRON
fsr-3529	271	15	castro	castro	NOUN
fsr-3529	271	16	-	-	PUNCT
fsr-3529	271	17	gonzález	gonzález	PROPN
fsr-3529	271	18	,	,	PUNCT
fsr-3529	271	19	s.	s.	PROPN
fsr-3529	271	20	,	,	PUNCT
fsr-3529	271	21	fernández	fernández	NOUN
fsr-3529	271	22	-	-	PUNCT
fsr-3529	271	23	lópez	lópez	ADV
fsr-3529	271	24	,	,	PUNCT
fsr-3529	271	25	s.	s.	PROPN
fsr-3529	271	26	,	,	PUNCT
fsr-3529	271	27	rey	rey	PROPN
fsr-3529	271	28	-	-	PUNCT
fsr-3529	271	29	ares	ares	PROPN
fsr-3529	271	30	,	,	PUNCT
fsr-3529	271	31	l.	l.	PROPN
fsr-3529	271	32	,	,	PUNCT
fsr-3529	271	33	&	&	CCONJ
fsr-3529	271	34	rodeiro	rodeiro	NOUN
fsr-3529	271	35	-	-	PUNCT
fsr-3529	271	36	pazos	pazos	PROPN
fsr-3529	271	37	,	,	PUNCT
fsr-3529	271	38	d.	d.	PROPN
fsr-3529	271	39	(	(	PUNCT
fsr-3529	271	40	2020	2020	NUM
fsr-3529	271	41	)	)	PUNCT
fsr-3529	271	42	.	.	PUNCT
fsr-3529	272	1	the	the	DET
fsr-3529	272	2	influence	influence	NOUN
fsr-3529	272	3	of	of	ADP
fsr-3529	272	4	attitude	attitude	NOUN
fsr-3529	272	5	to	to	ADP
fsr-3529	272	6	money	money	NOUN
fsr-3529	272	7	on	on	ADP
fsr-3529	272	8	individuals	individual	NOUN
fsr-3529	272	9	’	'	PUNCT
fsr-3529	272	10	financial	financial	ADJ
fsr-3529	272	11	well	well	ADV
fsr-3529	272	12	-	-	PUNCT
fsr-3529	272	13	being	being	NOUN
fsr-3529	272	14	.	.	PUNCT
fsr-3529	273	1	social	social	ADJ
fsr-3529	273	2	indicators	indicator	NOUN
fsr-3529	273	3	research	research	NOUN
fsr-3529	273	4	,	,	PUNCT
fsr-3529	273	5	148	148	NUM
fsr-3529	273	6	,	,	PUNCT
fsr-3529	273	7	747–764	747–764	NUM
fsr-3529	273	8	.	.	PUNCT
fsr-3529	274	1	available	available	ADJ
fsr-3529	274	2	at	at	ADP
fsr-3529	274	3	:	:	PUNCT
fsr-3529	274	4	https://doi	https://doi	PROPN
fsr-3529	274	5	.	.	PUNCT
fsr-3529	274	6	org/10.1007	org/10.1007	PROPN
fsr-3529	274	7	/	/	SYM
fsr-3529	274	8	s11205	s11205	NOUN
fsr-3529	274	9	-	-	PUNCT
fsr-3529	274	10	019	019	NUM
fsr-3529	274	11	-	-	PUNCT
fsr-3529	274	12	02219	02219	NUM
fsr-3529	274	13	-	-	SYM
fsr-3529	274	14	4	4	NUM
fsr-3529	274	15	choung	choung	NOUN
fsr-3529	274	16	,	,	PUNCT
fsr-3529	274	17	y.	y.	PROPN
fsr-3529	274	18	,	,	PUNCT
fsr-3529	274	19	chatterjee	chatterjee	PROPN
fsr-3529	274	20	,	,	PUNCT
fsr-3529	274	21	s.	s.	PROPN
fsr-3529	274	22	,	,	PUNCT
fsr-3529	274	23	&	&	CCONJ
fsr-3529	274	24	pak	pak	PROPN
fsr-3529	274	25	,	,	PUNCT
fsr-3529	274	26	t.	t.	PROPN
fsr-3529	274	27	y.	y.	PROPN
fsr-3529	274	28	(	(	PUNCT
fsr-3529	274	29	2022	2022	NUM
fsr-3529	274	30	)	)	PUNCT
fsr-3529	274	31	.	.	PUNCT
fsr-3529	275	1	depression	depression	NOUN
fsr-3529	275	2	and	and	CCONJ
fsr-3529	275	3	financial	financial	ADJ
fsr-3529	275	4	planning	planning	NOUN
fsr-3529	275	5	horizon	horizon	NOUN
fsr-3529	275	6	.	.	PUNCT
fsr-3529	276	1	journal	journal	NOUN
fsr-3529	276	2	of	of	ADP
fsr-3529	276	3	behavioral	behavioral	ADJ
fsr-3529	276	4	and	and	CCONJ
fsr-3529	276	5	experimental	experimental	ADJ
fsr-3529	276	6	economics	economic	NOUN
fsr-3529	276	7	,	,	PUNCT
fsr-3529	276	8	98	98	NUM
fsr-3529	276	9	,	,	PUNCT
fsr-3529	276	10	101877	101877	NUM
fsr-3529	276	11	.	.	PUNCT
fsr-3529	277	1	available	available	ADJ
fsr-3529	277	2	at	at	ADP
fsr-3529	277	3	:	:	PUNCT
fsr-3529	277	4	https://doi.org/10.1016/j.socec.2022.101877	https://doi.org/10.1016/j.socec.2022.101877	PROPN
fsr-3529	277	5	dow	dow	PROPN
fsr-3529	277	6	,	,	PUNCT
fsr-3529	277	7	j.	j.	PROPN
fsr-3529	277	8	p.	p.	PROPN
fsr-3529	277	9	,	,	PUNCT
fsr-3529	277	10	jr	jr	PROPN
fsr-3529	277	11	.	.	PROPN
fsr-3529	277	12	,	,	PUNCT
fsr-3529	277	13	&	&	CCONJ
fsr-3529	277	14	jin	jin	PROPN
fsr-3529	277	15	,	,	PUNCT
fsr-3529	277	16	y.	y.	PROPN
fsr-3529	277	17	(	(	PUNCT
fsr-3529	277	18	2013	2013	NUM
fsr-3529	277	19	)	)	PUNCT
fsr-3529	277	20	.	.	PUNCT
fsr-3529	278	1	the	the	DET
fsr-3529	278	2	determination	determination	NOUN
fsr-3529	278	3	of	of	ADP
fsr-3529	278	4	individual	individual	ADJ
fsr-3529	278	5	financial	financial	ADJ
fsr-3529	278	6	planning	planning	NOUN
fsr-3529	278	7	horizons	horizon	NOUN
fsr-3529	278	8	.	.	PUNCT
fsr-3529	279	1	southwestern	southwestern	ADJ
fsr-3529	279	2	economic	economic	PROPN
fsr-3529	279	3	review	review	NOUN
fsr-3529	279	4	,	,	PUNCT
fsr-3529	279	5	40	40	NUM
fsr-3529	279	6	,	,	PUNCT
fsr-3529	279	7	137–149	137–149	NUM
fsr-3529	279	8	.	.	PUNCT
fsr-3529	279	9	fisher	fisher	PROPN
fsr-3529	279	10	,	,	PUNCT
fsr-3529	279	11	p.	p.	PROPN
fsr-3529	279	12	j.	j.	PROPN
fsr-3529	279	13	,	,	PUNCT
fsr-3529	279	14	&	&	CCONJ
fsr-3529	279	15	montalto	montalto	PROPN
fsr-3529	279	16	,	,	PUNCT
fsr-3529	279	17	c.	c.	PROPN
fsr-3529	279	18	p.	p.	PROPN
fsr-3529	279	19	(	(	PUNCT
fsr-3529	279	20	2010	2010	NUM
fsr-3529	279	21	)	)	PUNCT
fsr-3529	279	22	.	.	PUNCT
fsr-3529	280	1	effect	effect	NOUN
fsr-3529	280	2	of	of	ADP
fsr-3529	280	3	saving	save	VERB
fsr-3529	280	4	motives	motive	NOUN
fsr-3529	280	5	and	and	CCONJ
fsr-3529	280	6	horizon	horizon	NOUN
fsr-3529	280	7	on	on	ADP
fsr-3529	280	8	saving	save	VERB
fsr-3529	280	9	behaviors	behavior	NOUN
fsr-3529	280	10	.	.	PUNCT
fsr-3529	281	1	journal	journal	NOUN
fsr-3529	281	2	of	of	ADP
fsr-3529	281	3	economic	economic	ADJ
fsr-3529	281	4	psychology	psychology	NOUN
fsr-3529	281	5	,	,	PUNCT
fsr-3529	281	6	31	31	NUM
fsr-3529	281	7	,	,	PUNCT
fsr-3529	281	8	92–105	92–105	PROPN
fsr-3529	281	9	.	.	PUNCT
fsr-3529	281	10	available	available	ADJ
fsr-3529	281	11	at	at	ADP
fsr-3529	281	12	:	:	PUNCT
fsr-3529	281	13	https://doi.org/10.1016/j.joep.2009.11.002	https://doi.org/10.1016/j.joep.2009.11.002	NUM
fsr-3529	281	14	he	he	NOUN
fsr-3529	281	15	,	,	PUNCT
fsr-3529	281	16	p.	p.	NOUN
fsr-3529	281	17	,	,	PUNCT
fsr-3529	281	18	&	&	CCONJ
fsr-3529	281	19	hu	hu	PROPN
fsr-3529	281	20	,	,	PUNCT
fsr-3529	281	21	x.	x.	NOUN
fsr-3529	281	22	(	(	PUNCT
fsr-3529	281	23	2007	2007	NUM
fsr-3529	281	24	)	)	PUNCT
fsr-3529	281	25	.	.	PUNCT
fsr-3529	282	1	household	household	NOUN
fsr-3529	282	2	investment	investment	NOUN
fsr-3529	282	3	–	–	PUNCT
fsr-3529	282	4	the	the	DET
fsr-3529	282	5	horizon	horizon	NOUN
fsr-3529	282	6	effect	effect	NOUN
fsr-3529	282	7	.	.	PUNCT
fsr-3529	283	1	available	available	ADJ
fsr-3529	283	2	at	at	ADP
fsr-3529	283	3	ssrn	ssrn	PROPN
fsr-3529	283	4	.	.	PUNCT
fsr-3529	284	1	available	available	ADJ
fsr-3529	284	2	at	at	ADP
fsr-3529	284	3	:	:	PUNCT
fsr-3529	284	4	https://	https://	PROPN
fsr-3529	284	5	ssrn.com/abstract¼798431	ssrn.com/abstract¼798431	PROPN
fsr-3529	284	6	or	or	CCONJ
fsr-3529	284	7	http://dx.doi.org/10.2139/ssrn.798431	http://dx.doi.org/10.2139/ssrn.798431	PUNCT
fsr-3529	284	8	hong	hong	PROPN
fsr-3529	284	9	,	,	PUNCT
fsr-3529	284	10	e.	e.	PROPN
fsr-3529	284	11	o.	o.	PROPN
fsr-3529	284	12	,	,	PUNCT
fsr-3529	284	13	&	&	CCONJ
fsr-3529	284	14	hanna	hanna	PROPN
fsr-3529	284	15	,	,	PUNCT
fsr-3529	284	16	s.	s.	PROPN
fsr-3529	284	17	d.	d.	PROPN
fsr-3529	284	18	(	(	PUNCT
fsr-3529	284	19	2014	2014	NUM
fsr-3529	284	20	)	)	PUNCT
fsr-3529	284	21	.	.	PUNCT
fsr-3529	285	1	financial	financial	ADJ
fsr-3529	285	2	planning	planning	NOUN
fsr-3529	285	3	horizon	horizon	PROPN
fsr-3529	285	4	:	:	PUNCT
fsr-3529	285	5	a	a	DET
fsr-3529	285	6	measure	measure	NOUN
fsr-3529	285	7	of	of	ADP
fsr-3529	285	8	time	time	NOUN
fsr-3529	285	9	preference	preference	NOUN
fsr-3529	285	10	or	or	CCONJ
fsr-3529	285	11	a	a	DET
fsr-3529	285	12	situational	situational	ADJ
fsr-3529	285	13	factor	factor	NOUN
fsr-3529	285	14	?	?	PUNCT
fsr-3529	286	1	journal	journal	NOUN
fsr-3529	286	2	of	of	ADP
fsr-3529	286	3	financial	financial	ADJ
fsr-3529	286	4	counseling	counseling	NOUN
fsr-3529	286	5	and	and	CCONJ
fsr-3529	286	6	planning	planning	NOUN
fsr-3529	286	7	,	,	PUNCT
fsr-3529	286	8	25	25	NUM
fsr-3529	286	9	,	,	PUNCT
fsr-3529	286	10	184–196	184–196	NUM
fsr-3529	286	11	.	.	PUNCT
fsr-3529	287	1	khwaja	khwaja	PROPN
fsr-3529	287	2	,	,	PUNCT
fsr-3529	287	3	a.	a.	PROPN
fsr-3529	287	4	,	,	PUNCT
fsr-3529	287	5	sloan	sloan	PROPN
fsr-3529	287	6	,	,	PUNCT
fsr-3529	287	7	f.	f.	PROPN
fsr-3529	287	8	,	,	PUNCT
fsr-3529	287	9	&	&	CCONJ
fsr-3529	287	10	salm	salm	PROPN
fsr-3529	287	11	,	,	PUNCT
fsr-3529	287	12	m.	m.	NOUN
fsr-3529	287	13	(	(	PUNCT
fsr-3529	287	14	2006	2006	NUM
fsr-3529	287	15	)	)	PUNCT
fsr-3529	287	16	.	.	PUNCT
fsr-3529	288	1	evidence	evidence	NOUN
fsr-3529	288	2	on	on	ADP
fsr-3529	288	3	preferences	preference	NOUN
fsr-3529	288	4	and	and	CCONJ
fsr-3529	288	5	subjective	subjective	ADJ
fsr-3529	288	6	beliefs	belief	NOUN
fsr-3529	288	7	of	of	ADP
fsr-3529	288	8	risk	risk	NOUN
fsr-3529	288	9	takers	taker	NOUN
fsr-3529	288	10	:	:	PUNCT
fsr-3529	288	11	the	the	DET
fsr-3529	288	12	case	case	NOUN
fsr-3529	288	13	of	of	ADP
fsr-3529	288	14	smokers	smoker	NOUN
fsr-3529	288	15	.	.	PUNCT
fsr-3529	289	1	international	international	ADJ
fsr-3529	289	2	journal	journal	PROPN
fsr-3529	289	3	of	of	ADP
fsr-3529	289	4	industrial	industrial	ADJ
fsr-3529	289	5	organization	organization	NOUN
fsr-3529	289	6	,	,	PUNCT
fsr-3529	289	7	24	24	NUM
fsr-3529	289	8	,	,	PUNCT
fsr-3529	289	9	667–682	667–682	NUM
fsr-3529	289	10	.	.	PUNCT
fsr-3529	290	1	available	available	ADJ
fsr-3529	290	2	at	at	ADP
fsr-3529	290	3	:	:	PUNCT
fsr-3529	290	4	https://doi.org/	https://doi.org/	VERB
fsr-3529	290	5	10.1016	10.1016	NUM
fsr-3529	290	6	/	/	SYM
fsr-3529	290	7	j.ijindorg.2005.10.001	j.ijindorg.2005.10.001	PROPN
fsr-3529	290	8	z.	z.	PROPN
fsr-3529	290	9	liu	liu	PROPN
fsr-3529	290	10	et	et	PROPN
fsr-3529	290	11	al	al	PROPN
fsr-3529	290	12	.	.	PUNCT
fsr-3529	290	13	/	/	SYM
fsr-3529	290	14	financial	financial	ADJ
fsr-3529	290	15	services	service	NOUN
fsr-3529	290	16	review	review	AUX
fsr-3529	290	17	31	31	NUM
fsr-3529	290	18	(	(	PUNCT
fsr-3529	290	19	2023	2023	NUM
fsr-3529	290	20	)	)	PUNCT
fsr-3529	291	1	107–120	107–120	NUM
fsr-3529	291	2	119	119	NUM
fsr-3529	291	3	liu	liu	PROPN
fsr-3529	291	4	,	,	PUNCT
fsr-3529	291	5	y.	y.	PROPN
fsr-3529	291	6	,	,	PUNCT
fsr-3529	291	7	guillemette	guillemette	NOUN
fsr-3529	291	8	,	,	PUNCT
fsr-3529	291	9	m.	m.	NOUN
fsr-3529	291	10	,	,	PUNCT
fsr-3529	291	11	&	&	CCONJ
fsr-3529	291	12	gray	gray	PROPN
fsr-3529	291	13	,	,	PUNCT
fsr-3529	291	14	b.	b.	PROPN
fsr-3529	291	15	(	(	PUNCT
fsr-3529	291	16	2021	2021	NUM
fsr-3529	291	17	)	)	PUNCT
fsr-3529	291	18	.	.	PUNCT
fsr-3529	292	1	a	a	DET
fsr-3529	292	2	behavioral	behavioral	ADJ
fsr-3529	292	3	understanding	understanding	NOUN
fsr-3529	292	4	of	of	ADP
fsr-3529	292	5	stock	stock	NOUN
fsr-3529	292	6	market	market	NOUN
fsr-3529	292	7	return	return	NOUN
fsr-3529	292	8	expectations	expectation	NOUN
fsr-3529	292	9	:	:	PUNCT
fsr-3529	292	10	from	from	ADP
fsr-3529	292	11	evaluation	evaluation	NOUN
fsr-3529	292	12	frequency	frequency	NOUN
fsr-3529	292	13	and	and	CCONJ
fsr-3529	292	14	financial	financial	ADJ
fsr-3529	292	15	planning	planning	NOUN
fsr-3529	292	16	horizon	horizon	PROPN
fsr-3529	292	17	perspective	perspective	NOUN
fsr-3529	292	18	.	.	PUNCT
fsr-3529	293	1	available	available	ADJ
fsr-3529	293	2	at	at	ADP
fsr-3529	293	3	ssrn	ssrn	PROPN
fsr-3529	293	4	3906757	3906757	NUM
fsr-3529	293	5	.	.	PUNCT
fsr-3529	294	1	liu	liu	PROPN
fsr-3529	294	2	,	,	PUNCT
fsr-3529	294	3	z.	z.	PROPN
fsr-3529	294	4	,	,	PUNCT
fsr-3529	294	5	&	&	CCONJ
fsr-3529	294	6	james	james	PROPN
fsr-3529	294	7	,	,	PUNCT
fsr-3529	294	8	r.	r.	PROPN
fsr-3529	294	9	n.	n.	PROPN
fsr-3529	294	10	iii	iii	PROPN
fsr-3529	294	11	.	.	PROPN
fsr-3529	294	12	,	,	PUNCT
fsr-3529	294	13	(	(	PUNCT
fsr-3529	294	14	2017	2017	NUM
fsr-3529	294	15	)	)	PUNCT
fsr-3529	294	16	.	.	PUNCT
fsr-3529	295	1	behavioral	behavioral	ADJ
fsr-3529	295	2	and	and	CCONJ
fsr-3529	295	3	non	non	ADJ
fsr-3529	295	4	-	-	ADJ
fsr-3529	295	5	behavioral	behavioral	ADJ
fsr-3529	295	6	factors	factor	NOUN
fsr-3529	295	7	affecting	affect	VERB
fsr-3529	295	8	will	will	AUX
fsr-3529	295	9	and	and	CCONJ
fsr-3529	295	10	trust	trust	VERB
fsr-3529	295	11	ownership	ownership	NOUN
fsr-3529	295	12	.	.	PUNCT
fsr-3529	296	1	available	available	ADJ
fsr-3529	296	2	at	at	ADP
fsr-3529	296	3	ssrn	ssrn	PROPN
fsr-3529	296	4	https://ssrn.com/abstract¼3037748	https://ssrn.com/abstract¼3037748	PROPN
fsr-3529	296	5	liu	liu	PROPN
fsr-3529	296	6	,	,	PUNCT
fsr-3529	296	7	z.	z.	PROPN
fsr-3529	296	8	,	,	PUNCT
fsr-3529	296	9	&	&	CCONJ
fsr-3529	296	10	james	james	PROPN
fsr-3529	296	11	,	,	PUNCT
fsr-3529	296	12	r.	r.	PROPN
fsr-3529	296	13	n.	n.	PROPN
fsr-3529	296	14	iii	iii	PROPN
fsr-3529	296	15	.	.	PROPN
fsr-3529	296	16	,	,	PUNCT
fsr-3529	296	17	(	(	PUNCT
fsr-3529	296	18	2020	2020	NUM
fsr-3529	296	19	)	)	PUNCT
fsr-3529	296	20	.	.	PUNCT
fsr-3529	297	1	finding	find	VERB
fsr-3529	297	2	the	the	DET
fsr-3529	297	3	next	next	ADJ
fsr-3529	297	4	major	major	ADJ
fsr-3529	297	5	donor	donor	NOUN
fsr-3529	297	6	:	:	PUNCT
fsr-3529	297	7	the	the	DET
fsr-3529	297	8	relationship	relationship	NOUN
fsr-3529	297	9	between	between	ADP
fsr-3529	297	10	financial	financial	ADJ
fsr-3529	297	11	planning	planning	NOUN
fsr-3529	297	12	horizon	horizon	NOUN
fsr-3529	297	13	and	and	CCONJ
fsr-3529	297	14	charitable	charitable	ADJ
fsr-3529	297	15	giving	giving	NOUN
fsr-3529	297	16	.	.	PUNCT
fsr-3529	298	1	journal	journal	NOUN
fsr-3529	298	2	of	of	ADP
fsr-3529	298	3	personal	personal	ADJ
fsr-3529	298	4	finance	finance	NOUN
fsr-3529	298	5	,	,	PUNCT
fsr-3529	298	6	19	19	NUM
fsr-3529	298	7	,	,	PUNCT
fsr-3529	298	8	49–65	49–65	NUM
fsr-3529	298	9	.	.	PUNCT
fsr-3529	299	1	malroutu	malroutu	ADJ
fsr-3529	299	2	,	,	PUNCT
fsr-3529	299	3	y.	y.	PROPN
fsr-3529	299	4	l.	l.	PROPN
fsr-3529	299	5	,	,	PUNCT
fsr-3529	299	6	&	&	CCONJ
fsr-3529	299	7	xiao	xiao	PROPN
fsr-3529	299	8	,	,	PUNCT
fsr-3529	299	9	j.	j.	PROPN
fsr-3529	299	10	j.	j.	PROPN
fsr-3529	299	11	(	(	PUNCT
fsr-3529	299	12	1995	1995	NUM
fsr-3529	299	13	)	)	PUNCT
fsr-3529	299	14	.	.	PUNCT
fsr-3529	300	1	perceived	perceive	VERB
fsr-3529	300	2	adequacy	adequacy	NOUN
fsr-3529	300	3	of	of	ADP
fsr-3529	300	4	retirement	retirement	NOUN
fsr-3529	300	5	income	income	NOUN
fsr-3529	300	6	.	.	PUNCT
fsr-3529	301	1	financial	financial	ADJ
fsr-3529	301	2	counseling	counseling	NOUN
fsr-3529	301	3	and	and	CCONJ
fsr-3529	301	4	planning	planning	NOUN
fsr-3529	301	5	,	,	PUNCT
fsr-3529	301	6	6	6	NUM
fsr-3529	301	7	,	,	PUNCT
fsr-3529	301	8	17–23	17–23	NUM
fsr-3529	301	9	.	.	PUNCT
fsr-3529	302	1	munnell	munnell	PROPN
fsr-3529	302	2	,	,	PUNCT
fsr-3529	302	3	a.	a.	PROPN
fsr-3529	302	4	h.	h.	PROPN
fsr-3529	302	5	,	,	PUNCT
fsr-3529	302	6	sunden	sunden	ADJ
fsr-3529	302	7	,	,	PUNCT
fsr-3529	302	8	a.	a.	PROPN
fsr-3529	302	9	,	,	PUNCT
fsr-3529	302	10	&	&	CCONJ
fsr-3529	302	11	taylor	taylor	PROPN
fsr-3529	302	12	,	,	PUNCT
fsr-3529	302	13	c.	c.	PROPN
fsr-3529	302	14	(	(	PUNCT
fsr-3529	302	15	2001	2001	NUM
fsr-3529	302	16	)	)	PUNCT
fsr-3529	302	17	.	.	PUNCT
fsr-3529	303	1	what	what	PRON
fsr-3529	303	2	determines	determine	VERB
fsr-3529	303	3	401(k	401(k	NOUN
fsr-3529	303	4	)	)	PUNCT
fsr-3529	303	5	participation	participation	NOUN
fsr-3529	303	6	and	and	CCONJ
fsr-3529	303	7	contributions	contribution	NOUN
fsr-3529	303	8	.	.	PUNCT
fsr-3529	304	1	social	social	ADJ
fsr-3529	304	2	security	security	NOUN
fsr-3529	304	3	bulletin	bulletin	NOUN
fsr-3529	304	4	,	,	PUNCT
fsr-3529	304	5	64	64	NUM
fsr-3529	304	6	,	,	PUNCT
fsr-3529	304	7	64–75	64–75	NUM
fsr-3529	304	8	.	.	PUNCT
fsr-3529	304	9	rutherford	rutherford	PROPN
fsr-3529	304	10	,	,	PUNCT
fsr-3529	304	11	l.	l.	PROPN
fsr-3529	304	12	g.	g.	PROPN
fsr-3529	304	13	,	,	PUNCT
fsr-3529	304	14	&	&	CCONJ
fsr-3529	304	15	devaney	devaney	PROPN
fsr-3529	304	16	,	,	PUNCT
fsr-3529	304	17	s.	s.	PROPN
fsr-3529	304	18	a.	a.	PROPN
fsr-3529	304	19	(	(	PUNCT
fsr-3529	304	20	2009	2009	NUM
fsr-3529	304	21	)	)	PUNCT
fsr-3529	304	22	.	.	PUNCT
fsr-3529	305	1	utilizing	utilize	VERB
fsr-3529	305	2	the	the	DET
fsr-3529	305	3	theory	theory	NOUN
fsr-3529	305	4	of	of	ADP
fsr-3529	305	5	planned	plan	VERB
fsr-3529	305	6	behavior	behavior	NOUN
fsr-3529	305	7	to	to	PART
fsr-3529	305	8	understand	understand	VERB
fsr-3529	305	9	convenience	convenience	NOUN
fsr-3529	305	10	use	use	NOUN
fsr-3529	305	11	of	of	ADP
fsr-3529	305	12	credit	credit	NOUN
fsr-3529	305	13	cards	card	NOUN
fsr-3529	305	14	.	.	PUNCT
fsr-3529	306	1	journal	journal	NOUN
fsr-3529	306	2	of	of	ADP
fsr-3529	306	3	financial	financial	ADJ
fsr-3529	306	4	counseling	counseling	NOUN
fsr-3529	306	5	and	and	CCONJ
fsr-3529	306	6	planning	planning	NOUN
fsr-3529	306	7	,	,	PUNCT
fsr-3529	306	8	20	20	NUM
fsr-3529	306	9	,	,	PUNCT
fsr-3529	306	10	48–63	48–63	NUM
fsr-3529	306	11	.	.	PUNCT
fsr-3529	307	1	trostel	trostel	NOUN
fsr-3529	307	2	,	,	PUNCT
fsr-3529	307	3	p.	p.	NOUN
fsr-3529	307	4	a.	a.	PROPN
fsr-3529	307	5	,	,	PUNCT
fsr-3529	307	6	&	&	CCONJ
fsr-3529	307	7	taylor	taylor	PROPN
fsr-3529	307	8	,	,	PUNCT
fsr-3529	307	9	g.	g.	PROPN
fsr-3529	307	10	a.	a.	PROPN
fsr-3529	307	11	(	(	PUNCT
fsr-3529	307	12	2001	2001	NUM
fsr-3529	307	13	)	)	PUNCT
fsr-3529	307	14	.	.	PUNCT
fsr-3529	308	1	a	a	DET
fsr-3529	308	2	theory	theory	NOUN
fsr-3529	308	3	of	of	ADP
fsr-3529	308	4	time	time	NOUN
fsr-3529	308	5	preference	preference	NOUN
fsr-3529	308	6	.	.	PUNCT
fsr-3529	309	1	economic	economic	ADJ
fsr-3529	309	2	inquiry	inquiry	NOUN
fsr-3529	309	3	,	,	PUNCT
fsr-3529	309	4	39	39	NUM
fsr-3529	309	5	,	,	PUNCT
fsr-3529	309	6	379–395	379–395	NUM
fsr-3529	309	7	.	.	PUNCT
fsr-3529	309	8	available	available	ADJ
fsr-3529	309	9	at	at	ADP
fsr-3529	309	10	:	:	PUNCT
fsr-3529	309	11	https://doi.org/10.1093/ei/39.3.379	https://doi.org/10.1093/ei/39.3.379	PROPN
fsr-3529	309	12	120	120	NUM
fsr-3529	309	13	z.	z.	PROPN
fsr-3529	309	14	liu	liu	PROPN
fsr-3529	309	15	et	et	PROPN
fsr-3529	309	16	al	al	PROPN
fsr-3529	309	17	.	.	PUNCT
fsr-3529	309	18	/	/	SYM
fsr-3529	309	19	financial	financial	ADJ
fsr-3529	309	20	services	service	NOUN
fsr-3529	309	21	review	review	VERB
fsr-3529	309	22	31	31	NUM
fsr-3529	309	23	(	(	PUNCT
fsr-3529	309	24	2023	2023	NUM
fsr-3529	309	25	)	)	PUNCT
fsr-3529	309	26	107–120	107–120	NUM